BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I spoke to XXXX FROM XXXX RELATIONS ABOUT MY XXXX ACCOUNT WHEN IT WAS STILL ACTIVE DUE TO FALSE CHARGES OF XXXX EQUIPEMENT THAT had not been returned according to XXXX XXXX AND I EMAILED BACK AND FORTH TRACKING NUMBERS OF DEVICES THAT WERE SENT BACK AND RECIEVED BY XXXX WERE EMAILED TO XXXX, SHE APPROVED AND APPLIED CREDITS AFTER SEVERAL EMAIL AND PHONE CALL ATTEMPTS OF MYSELF TRYING TO GET XXXX OF XXXX. XXXX FINALLY SENT AN EMAIL BACK ON XX/XX/XXXX STATING CREDITS WERE APPLIED AND I was AT A {$0.00} BLANCE AND WOULD RECIEVE MY FINAL STATEMENT FROM XXXX. IN XXXX I RECEIVE A FINAL BILL TO A FORWARDED ADDRESS CONFIRMING ADJUSTMENTS ... MONTHS LATER RECIEVED A COLLECTIONS NOTIFICATION STATING ACCOUNT WAS PAST DUE ( DUE TO CREDITS FALLING OFF ) CONTACTED XXXX AGAIN DISPUTED EVERYHING THEY AGRRED TO REMOVE ALSO COLLECTIONS AGENCY AT THAT TIME AGREED TO REMOVE SINCE INCCORECT AMOUNT WAS REPORTED AND NOT OWED DUE TO EMAIL VALIDATION AND TRACKING NUMBERS AND INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Stearns Ventures, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/19, I received a statement from Stearns Lending. This statement said that I owe {$1800.00} because I did not pay last month ( XXXX ) ( XXXX XXXX ). However prior to this I received a statement of transfer effective XX/XX/19. So does this mean that Stearns has reported me to be 30 days late? Will they again? How is any of this possible? I am not late, not even by a day. I am paying my mortgage payments to the company that is servicing my loan. To be very very clear, I am not happy about receiving statements from Stearns after my loan had already been transferred to another company. This is against FCRA and UDAAP regulations. Is this happening on my 2nd mortgage also???

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 2019-09-24
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-24
Company: Navient Solutions, LLC.
State: PA
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:
I started full sail in XXXX through XXXX, I had to take a medical leave to go to a rehab. I sent in a notice as per their policy to let them know I needed a medical leave from school so I can get the medical help I needed, I wrote a letter to them. They never informed me, but when I got out of the rehab I was in my status of loans was kicked in already because they withdrew me from my classes without even telling me, so that's how this all started. Then over the years I called them numerous times to explain my loans should have never been kicked in because I was on a medical leave and was supposed to be able to start my classes again after I got out of rehab and they refused to help me what so ever. Now the loans are with navient and XXXX the top 2 deceptive loan servicers, just the other day I called navient to try to reenter into a income driven repayment plan but the agent I spoke with steered me into a forbearance threatening that if I didn't do that late payments would be reported to my credit file which is all messed up already with being victim to XXXX, XXXX and XXXX XXXX breaches, I'm working with a credit restoration company to try to fix my credit file because me and my fiance are trying to get a home for our family. I'm not sure of the amounts but I know from looking at my credit report that the interest on my loans is the only thing being added to my loans, because every month the interest being capitalized on my loans goes up by the thousands and is hurting my scores in the process, now that after the last agent I spoke with who tricked me into a forbearance looking back on that call they never told me about any other options and never told me that I'd be having payments I cant afford or that they would be reporting negatively to the credit beauraus so what they did was unethical and irresponsible I just want what's fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
It has come to my attention that BB $ T Bank has provided information to XXXX XXXX XXXX as well as XXXX, I have no kmowledge of this information from the bank.

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 2018-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a cellphone in XX/XX/2017 the cellphone never turn on I return it to The store then I called the Bank of America CREDIT CARD and put a complaint for defective merchandise case number XXXX the prize XXXX the bank never did nothing they paid to the store yesterday the store gave me a new cellphone but is the same think it does not turn on I do not want to pay Bank of America for defective merchandise the store is XXXX XXXX & XXXX XXXX XXXX XXXX XXXX NJ 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 2019-05-02
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to Eastern Bank and got the Bank problem resolved and paid and the said it would not be reported to XXXX  XXXX then I see it on my XXXX XXXX report Eastern Bank XXXX XXXX XXXX XXXX Ma XXXX and phone number not available

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 2021-09-15
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: Investigation took more than 30 days

Complaint:
I contacted two of the credit reporting agencies about 90 days ago, Equifax and XXXX, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only Equifax responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections 609 and 612. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Was not notified of investigation status or results

Complaint:
While XXXX and XXXX have properly fixed this issue, Experian has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.

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 2019-05-02
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans DBA Rocket Mortgage received my payment on the XXXX day of the month and intentionally did not process it for SEVEN days, so that they could illegally charge an outlandish late fee. 

The late fee needs to be reversed and Quicken Loans must be compelled to stop this illegal and highly predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Was charged $ XXXXfor hotel stay on XX/XX/2019 for XXXX XXXX by XXXX . I never stayed at this hotel and never gave priceline my credit card information. I did try and book hotel through XXXX. but when I called to confirm hotel they told me I had no reservation. They than booked me another hotel which I stayed at and paid for.

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 2018-05-14
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Started with buying a car ... turned my lease into a dealership. we called GM financial to get pay off you that information to the dealership! the dealer paid in full {$30000.00} except for {$400.00}???? GM contacted me and I explained the situation that I did not own the car anymore and that the dealership took possession of it MONTHS AGO .... THEN we had a 3 way phone call with the dealership and after arguing a few times they sent in the balance of {$400.00} .... but it took a few months and during this time I was totally in compliance and talking to GM with the situation! GM KNEW. I AND GM HAS DOCUMATION that is was out of my control and they ( GM ) still disregarded and reported my credit bad!!! now GM financial wants me to get a letter from dealership saying that they ( DEALERSHIP ) was at fault and GM will TRY take care of it.. I told GM they knew the whole situation why did they report my credit BAD?????????? they stated it was still always on me. and STILL TRYING TO GET ME TO TALK TO THE DEALER????? What are they ( DEALERSHIP ) going to do with the CREDIT REPAIR????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX 1. XXXX 2. 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 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Deceptive business practices On or about XX/XX/2018 I applied for a capital one credit card ( secured ). After a time period, the application expired. I called capital one concerning the application and they stated to reapply. I called to check status and representative stated it was denied due to a previous application, and stated to reapply again. I checked on the status and again was told XXXX reapply and I was denied because I reapplied. Capital One customer service decieved and encouraged me to make multiple applications to be submitted which resulted in my application denials and credit inquires.I then found that Company policy states that a grace period in between applications are to be made but this was not presented to me until after multiple applications. I found to be the reason for such a denial to take place, due to lack in training of Capital One representatives. The response from capital one was that they can not approve the application due to multiple applications. however did not state it was due to representatives not informing customers of such a grace period or not to encourage further multiple applications resulting in denials of credit card. I have reviewed my recordings of these incidents, and it confirmed that it was a customer service error. As far as inquiries, I was not sure which ones needed deleting or confirming as I was told numerous times to submit multiple applications. 
XXXX, representative contacted me stating these incidents ( recorded as well ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX I contacted Experian via XXXX XXXX XXXX  and requested my credit file. I received an error message which described that Experian was unable to comply with request and I should contact Experian directly. 

On XX/XX/XXXX I contacted Experian directly on their website. I was prompted to input my social security number to retreive my username and a XXXX was emailed a link to my file. I have not now nor have I ever used this email address and do not know who it is. 

On XX/XX/XXXX, I tried to call 8 times to experian to speak to a human being to which I was constantly directed to an automated system which prompted me to place a credit freeze which I cant do because my numerical address doesnt correspond to the information on file. 

Checking over my two other credit files, there are some glaring issues which prompts the idea that someone is once again using my credit file illegally.

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 2019-05-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2020-08-21
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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
A few months ago, I called American Express regarding my XXXX XXXX credit card. I asked if there was any way they could process a goodwill removal of a delinquent payment reported for this account from XXXX. The customer service representative asked me what my reasoning was, and I explained that I had been in a long process of moving from XXXX to XXXX at the time and my mail kept getting lost. I also explained that if she looked at my other card with XXXX, she would see that I never paid late on it. She agreed and said that because I never received my statements, she simply had to order it again and the late payment report should fall off my credit report in about 8 days. It has been quite a while past 8 days and it is still showing on my credit report. I received the reprinted statement in the mail shortly after the call so I know that she truly did order the statement. 

Additionally, I received an offer from XXXX to open a Platinum card. I honestly believed it was another upgrade to my XXXX XXXX card ( also called " Platinum '' ) because both cards ended in XXXX at the time. That was so confusing, but I called customer service a few times to clarify and they were so helpful. Ultimately, I closed the account after being assured by the Platinum customer service representative that the account will not appear on my credit report since I never activated it and never paid the annual fee. Lo and behold, it is showing as a closed account on my credit report as of this date. 

So my request is basically to please clarify both of these situations. I am 100 % confident that if you listen to all of these calls, you would agree with me that I have the right to believe that my report was supposed to be cleared of a late payment and a never activated account. If they were wrong to tell me what they told me, then American Express needs to train their customer service department better to ensure that no miscommunication and false hope is given to any card member. This is by far my favorite credit card company, and I felt even more fond of the company after believing that they actually cared about my concerns regarding my credit report, but if I was wrong to think that they would live up to what they told me, then maybe I 'm also entirely wrong about the company. I 'm begging you, please help me! This has been so disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing in reference to a car I purchased back on XX/XX/2011, financing done by Toyota Financial Services, XXXX TX. I voluntarily called and gave the car back because it was impossible for me to continue with the payments and fixing of the many problems that car had since the moment I bought it. I tried to return it using the Lemon Law but because the car had more than 8000 miles at the time I bought it didnt applied. After the warranty expired I had to go to XXXX XXXX and XXXX XXXX to have additional repairs done. I was told by this company that the amount of the repairs was going to exceed the first estimated I was given by them. At that time I had no choice but to call the financial company and request to have the car pick up at the body shop and have it voluntarily surrender by me. 
I had to keep making the payments of my loan as you can see in the documents that I am attaching and just three months after I finished the last payment because I couldnt keep making them the same body shop took over the car as you can see in the Tag records that I am also attaching. The car since then had had many other owners ; proving that I dont owe the total amount, first because I made payments, and second because it was sold several times after it was repossessed. 
I have call several times the financial company, my calls have been escalated to higher levels with no results, they can not find a bill of sale, my payments or anything related to what they have done with this car after me. This has been going on for years. This financial company put on my credit the full amount plus repo expenses and the same it is happening with a XXXX XXXX  that I had just received. 
LAST YEAR I RECEIVED A CERTIFICATE OF TITLE ON MY NAME AS IF MY LOAN WAS PAID OFF AND I HAD A CLEAR TITLE OVER THE CAR. I CAN ACTUALLY PROCEED TO FIND THE CAR AND HAVE IT IN MY POSSESION ACCORDING TO THIS CLEAN CERTIFICATE OF TITLE EVENTHOUGH THE CAR HAS A CURRENT OWNER THAT MAY BE FINANCING OR IS ALSO HAVING AN ADDITIONAL CLEAN TITLE. 
This is my last attempt to have this matter resolved. This matter is costing me money, time off my work, stress to unimaginable levels because now the matter is with the IRS and I am not willing to pay taxes in an amount that is not correct just due to many clerical errors done by the XXXX XXXX XXXX. When it was on collection I tried to have the amount corrected to be able to make the payments and they couldnt have it fixed either. 

Your cooperation in this matter is very much appreciated since time is of the essence because my time it is limited to have this matter resolved with the IRS and again I refused to pay for errors made on your end. I am willing to do whatever it takes to have this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation