BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in May of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing a complaint against Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have hone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 2019-10-16
Company: Ocwen Financial Corporation
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 information incorrect

Complaint:
I submitted a complaint against PHH Mortgage and XXXX C/o PHH Mortgage in XX/XX/2019. They responded that they are not the appropriate company to answer the complaint. Stated that the complaint does not belong to them. 
Complaint ID - XXXX. 
Company responded the complaint does not belong to them on XX/XX/2019 The company responded that they are not the appropriate company to address your issue. 
Sent to company on XX/XX/2019 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 
NOTE : They are the correct companies. Phh Mortgage out of XX/XX/XXXX. XXXX, NJ and XXXX c/o PHH Mortgages Services, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX. XXXX, NJ XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputed on several occasions with Experian regarding XXXX XXXX over the past 3 months with no outcome

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 2017-11-19
Company: LEXISNEXIS
State: IL
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:
On XXXX/XXXX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XXXX/XXXX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TD BANK US HOLDING COMPANY
State: NY
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:
XX/XX/XXXX, my son ( a XXXX XXXXt at XXXX ) made two purchases ( gas ) using the TD bank credit card I gave him. The bills are mailed to me at my home in XXXX XXXX, XXXX. I always pay them on time. However, I spend the time from XX/XX/XXXX to XX/XX/XXXX in XXXX. I fill out a change of address form with the US Postal Service and all my bills are forwarded to me. For reasons I can not fathom, TD Bank does not allow their bills to be forwarded. I got my bills from XXXX, etc but nothing from TD Bank. In XX/XX/XXXX or XX/XX/XXXX I got a call from a TD Bank rep who was a bill collector, telling me I was 90 days delinquent in paying my bill. I told her I had never gotten a bill, nor any notice that I was delinquent. She checked and said the bills had been returned to TD Bank as undeliverable. I told her that was impossible, my mail is forwarded to my XXXX address, and I had been receiving all my bills ( credit card, insurance, electric, etc. ) She said TD Bank does not allow their bills to be forwarded " to guard against fraud ''. I asked how much had been charged to the account in puchases, and she said {$71.00}, which I paid immediately. But she said I owed late payment fees and interest charges. I asked them to waive those fees, as the reason I was late was their refusal to allow the bill to be forwarded. They refuse. The late fees and penalties now exceed {$130.00} ( with interest the amount they claim I now owe is {$130.00}. I have called at least three times but they refuse to waive the penalties and interest. I am now getting threatening letters and phone calls ( they say they will report me to a credit bureau ). it is absurd for them to CAUSE me to be late by preventing my bill from being forwarded, and then seek to collect penalty fees that dwarf any interest charges. And I paid the purchases in full! Please help me. The bank is totally unresponsive and is demanding I pay them all these penalty fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
All Customer complaints data is being scraped from multiple websites such as cfpb, XXXX, occ, fdic etc by Capital One Bank. They are accumulating all this data without informing the customers and appropriate source authorities such as cfpb, XXXX, occ, fdic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: VT
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:
There weren't any choices in the CFPB complaint process for what I want to find out more about. I check my credit scores and it seems that Experian always reports a much lower score than the other credit bureaus. I want to know if this is intentional so people will sign up for the extended credit tracking service, Experian XXXX. I won't do that but supposedly if someone uses this Boost service they can have their credit score raised several points. It would be good to check into this. 

Thanks for your consideration.

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 2017-07-13
Company: Central States Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've mailed out disputes to all  XXXX  credit bureaus on  XXXX   XXXX ,    2017  regarding a collection account from Central States Recovery for {$350.00} and they have fail to comply with sending me the verifiable validated physical proof I requested as I exercised my right of the FCR A # 811 and FDCPA # 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Nearly five years ago I suffered a significant health related incident and ended up off work for 4 years before I was able to return to work. Around that time, our HELOC changed from an interest only loan to a conventional loan ( I believe this is what happened ) and the monthly payment nearly doubled. I contacted BofA in hopes of working something out that would be easier for us ( my family ) to manage. We started, what I thought, would be the loan modification process to restructure the loan to be more affordable. At NO TIME did we want to default on the loan or claim we no longer would accept the debt. We started what ended up being a very long ( 3+ year process ) where we ended up right back where we began. BofA started sending us documents to complete, sign and return, which we did. Unfortunately, documents were lost or never reached their destination. We continued this process for nearly a year. At one point, we were threatened with the loss of our home and told it would be auctioned to the highest bidder. We were even sent the exact date, time and court location this would take place. This caused and enormous amount of stress on our family. The thought of losing our home, cars, personal items and having to move ( myself, wife and XXXX sons ) was unbearable and I would often be brought to tears when speaking to my loan consultant. We were placed on a special program where we would send our payment and it would be held in escrow so we could demonstrate our ability to pay. After doing this, I was told our account was current. However, we received another round of notices stating that our house would be sold through the court system. This even included embarrassing decals and notices being placed on our front door. Coincidentally, this tactic ceased when I expressed my XXXX again to our loan manager or consultant. In the end, a loan modification was granted and we continue to pay our monthly HELOC. However, we are right back where we started nearly 5 years ago. The threats and nightmares in endured were simply unnecessary had BofA helped us with a more positive approach rather than a threatening one.

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 2017-07-14
Company: Sortis Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Second trust deed against my primary residence that was foreclosed in 2014. They continue to call and send letters and improperly reports to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan servicing company, Lakeview Loan Servicing, apparently refuses to change the billing address to our current address, the address of the loan, you know, so we can pay the mortgage on time. WTH!!!!!!! I believe this company may be run by criminals, and/or commies. Who else would run a company like this? And I do not care if covid is around or not, this type of disregard for people 's time is ridiculous. I should send the CEO of that company a bill for my time. This company is locked in with XXXX and they get 1 out of 5 stars, so beware, nepotism and cretinism in that org is rampant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes to Experian on multiple occasions regarding the XXXX XXXX  COLLECTION ACCOUNT. Experian has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. Instead, Experian forwarded me a form letter of their investigation process. Moreover, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. It is also imperative to note that I am a " XXXX, '' so the alleged debt can belong to my father and has not been validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX   LOOKS LIKE IT'S FROM 2017 WITH A BALANCE OF XXXX, REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have a few concerns that are bothering me.     First and foremost there is a collection account on my credit report that is not accurate and should be deleted please. Based on FDCPA violations conducted by  XXXX   XXXX   XXXX  this account was prompted to be removed after a payment was made an date company violated my rights by harassing me, using foul language and attempting to illegally collect the amount again even though the sum was closed with   XXXX   XXXX   in a timely matter. Asked them to remove the collection, as it violated my rights and was not a collection item to beignet with and the refused me and continued to harass me. They are aware and have removed their account off from my  XXXX  and   XXXX   profiles but for some reason Transunion has not updating their reporting and removed this account completely as it has violated FDCPA law and can not be reported against me any longer.  XXXX  is aware of this and have apologized to me. please remove the collection, it is false.  <P/> ALSO, I would like the remarks under my   XXXX   and   XXXX   XXXX   accounts removed because i am no longer disputing them and they have incorrect remarks next to the account information. They are not being disputed and have not been investigated properly by any FCRA guidelines and therefore i would like the remarks removed. The companies have sent alerts to Transunion to remove the remarks and they have not abided yet.

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 2017-07-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I noticed that I was not receiving the promotional terms that I expected. O  n   XXXX   XXXX   2017 I asked why I did not see the expected  XXXX  points bonus on restaurant purchases applied to my spend to date. The research was concluded on   XXXX   XXXX   2017 with the conclusion that I am not eligible. This was communicated to me when I asked on  XXXX /2017. Attached is the expected promotional terms around the time I applied.
 XXXX 
 XXXX  bonus points on restaurant spend  XXXX  points on all your qualifying purchases on your first $  XXXX  for the first year plus on top of that a 30 % annual bonus 12 months 0 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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: Information belongs to someone else

Complaint:
I HAVE SEND LETTER AFTER TO ALL 3 CREDIT BUREAUS, I HAVE FILED WITH FTC ... AND REACHED OUT TO THE CREDITOR

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 2019-06-14
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a tv from Best Buy in XX/XX/XXXX. I was pressured to open a credit card to charge the purchase. Offering interest free payments on the card for 24 months and a {$100.00} credit to the store I accepted. In XX/XX/XXXX, two years after the original purchase date, and never using the card the account balance due was {$150.00}. The next statements balance due XX/XX/XXXX skyrocketed to {$810.00}. I was completely unaware the interest charged would be this high suddenly. I have called Citibank to try and resolve this issue with absolutely no solution offered. I have never been able to catch up from this substantial interest charge and still owe a balance on the account. My statement end balance for XX/XX/XXXX is {$810.00}. I have maintained minimum balance due of on average XXXX XXXX/month towards my balance for 19 months roughly equalling {$570.00} paid towards an initial {$150.00} balance due. The spiked interest charge is unreasonable and was never disclosed when opening 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