BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
XXXX is continuing to report unverified trade lines on my credit file, I've attempted 3 times to get them to send proof they have authorizition to collect these debts

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 2018-04-29
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Financing terms of loan/line of credit include deferred interest, waived if the total balance is paid in full before the end of the promotional period. No payments are due during the promotional period. 

However, the statements provided ( I just received my first one ) are confusing - they show " interest charged '' with such interest amount included in the " New Balance ''.

There is a box in the middle of the statement that states if the current pay off amount ( which is the New Balance less the interest charged amount ) by the promotion expiration date, the total interest charged plus any additional accrued interest will be waived. 

While I personally know that I am technically not being charged the interest unless I do not pay the principal balance in full before the end of the promotional period, I fear that this confusing presentation of the information may cause unsuspecting consumers to think they need to pay the total new balance amount, which includes interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
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:
On XX/XX/19 my mortgage Fico score XXXX was a XXXX. Then on XX/XX/19 an erroneous collection account reported by XXXX XXXX, which dropped my XXXX score by XXXX points. The account has now been removed but I did not get back all of my points back. I am showing I only got back XXXX points. My score was unfairly reduced by an inaccurate reporting on my credit file which has been now corrected but the points were not updated for the mortgage score.

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 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hello, I have a folowing situation - I just XXXX XXXX to XXXX and I don't have any credit history, good or bad. 

I went to Bank of America in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of Bank of America in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from Bank of America ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card anyways?!

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 2017-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX, 2017 Fifth Third Bank Office of the President XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX This is a letter I sent to Fifth Third Bank requesting a correction to a mistake their employee made and asking for the mistake to be corrected. 
Dear XXXX, I am writing with disappointment to your response, and to request your assistance once again. My former wife and I had a property financed through the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX, the problem is, Fifth Third Bank cashed this check with only one of two signatures that were required, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. Fifth Third Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, and applied to her new escrow account. I have spoken to the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. And am awaiting on a complaint form to begin action through them to try to resolve this issue. I was told based on my verbal complaint that there is a claim against both Fifth Third Bank as well as XXXX XXXX XXXX XXXX. If this letter is not going to generate the remedy that I seek, then I have already notified you that I have contacted the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance and will be forced to proceed with their assistance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX Second attempt to resolve the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: NY
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a current membership with XXXX/Experia. My payments are in good standing. A couple of months ago, for some unknown reason, I lost access to my account. to the best of my knowledge, I did not change my password and the login information I set up is still valid, however I still can not log in and all attempts to reset my password have been unsuccessful. The only way to fix this, according to their website is to do it over the phone. 
Here is where the problems start. I have called multiple times for the last 3 weeks and every time I call the waiting time is more than 2 hours. I have waitied even three hours once without being able to talk to anyone. I have researched the feedback from other customers and this seems to be the standard for this company. Simply they don't pick up the phone. 
At this stage, I don't want to solve my log in issues anymore. I now wish to cancel my membership, but for this I still need to talk to them over the phone, which is impossible. 
I have sent two emails to the only email address available in the website which is apparently dedicated to provide technical support ( XXXX ). No response. I left messages via XXXX and XXXX, to no avail. 
Please help. I would need the company to terminate my membership. Thanks

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 monetary relief
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I closed my account with XXXX XXXX XXXX However I had a {$500.00} transfer from my chase account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my chase account. I have filed a case with XXXX  and chase bank and both banks claim they dont have my {$500.00} transfer which shows it left chase bank into XXXX but no where to be found I provided XXXX XXXX with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Equifax is reporting two addresses I never lived at and would like removed from my file. XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I never lived at and XXXX XXXX XXXX XXXX XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
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 is missing that should be on the report

Complaint:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: BMW Financial Services NA, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/2020 I went to BMW of XXXX ( Virginia ) to buy a car. During the process, the sales person asked me to fill out a credit application with BMW Group Financial Services. I stated that I had financing approved through XXXX XXXX XXXX XXXX. The salesperson then stated he needed me to fill out the form so they could do an OFAC check. When I asked what that was he said it was to confirm my identity. I read through the form and it clearly stated that signing the form was an authorization for requesting a consumer credit report. It also authorized sharing my information with other BMW affiliated organizations. I again declined to sign the form, but the sales person brought a manager who also stated I was required to sign the form so they could check my identity. I then read aloud the statement above the signature which authorized a credit check and said I would not sign the form. They eventually moved forward with the sale of the car, but the dealer practice is clearly fraudulent as they are blatantly lying to consumers who do not need financing. 

Dealers can check customer names against the OFAC sanctions list at this website : https : //sanctionssearch.ofac.treas.gov/. Consumers should know that auto dealer personnel are being fraudulent by stating you need to fill out the credit application form for an identity check. 

While the fraudulent statements were made by the dealership, they were using an official BMW Group Financial Services application form. The statement above the signature reads in part : I authorize BMW Financial Services ... to request information from me and to make whatever inquiries considered necessary and appropriate ( including requesting consumer reports from consumer reporting agencies ) in considering granting me credit ... offering me other products including credit cards ... I understand you use automatic telephone dialing ... I expressly consent to receive autodialed calls ... ( etc. ). By signing below, applicants authorize submission of this consumer credit application to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. 

BMW Financial Services should take responsibility for the fraudulent use of this form and ensure BMW dealers are not misrepresenting the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed Conns {$1600.00}. The account went into collections and was serviced by XXXX. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement on XXXX19. It stated it would take 30 days for my credit report to reflect it. Well Conn 's is now reporting on my credit report that I now owe {$330.00}. 
So I called XXXX. They stated they submitted that they payment agreement was paid in full to Conns and that I need to contact Conns. I called Conns and spoke with XXXX, # XXXX. She said that I paid XXXX, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with XXXX, not Conns. So I still have a balance due with them. XXXX was acting on Conns behalf in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am a victim of identity theft. Company took me to court without notifying me as the sent everything to wrong address and received default judgements and are attempting to garnish my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted multiple disputes. I try to check by phone because online is blocked and they always say no dispute is open. Twenty theft reports sent multiple ocasscions and they seem not to even care about my credit I didn't use please I need help other bearues are way more helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This XXXX keeps calling about 5-6 times a day until XXXX! Wants to sell vehicle insurance and loans. Asking for a XXXX, no one lives here by That name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/19 I designed two personalized debit cards from Wells Fargo, Today is XX/XX/19 and I never have received them. I have called numerous times asking about the delivery and have been given a ton of misinformation regarding the cards. And then was threatened by the agent ( XXXX ) that I spoke with on XX/XX/19 to shut down both my cards against my will, because it was a new " policy '' that she never stated until after being on the phone with her for over an hour. I have requested proof that the cards were sent, I have detailed pictures of my mail that is delivered to my house daily and have received numerous correspondents from Wells Fargo none of which are these debit cards. Every other time I have ordered a new card I have received an email saying the card is on the way, this one time I have not received any notification and it has been over 2 months since the initial order of the cards and the images being accepted by Wells. I have called and called and been given incorrect information and been told that I MUST change my card numbers. Mind you it took 3 additional weeks to receive these card numbers after being told in the branch that my cards had been requested numerous times and in fact they had not. MY CARDS ARE NOT LOST OR STOLEN THEY MEERLY WERE NEVER MAILED BY WELLS FARGO.

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 2018-03-21
Company: E*TRADE BANK
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I originally obtained this HELOC loan through E-TRADE mortgage back in XX/XX/XXXX because I had a huge hole in the front of my house due to water damage, so I was desperate. E-TRADE offered to help but I was skeptical because when I tried to tell them my income over the phone they would put me on hold then com back and say, " oh so you make XXXX a year, '' which was about XXXX more than I made but I went with whatever game they were playing cause I needed the money. In XX/XX/XXXX I filed for bankruptcy and all my debt was discharged accept the HELOC, it was reaffirmed. Now the only advantage for me to reaffirm that loan was to help rebuild my credit and by law the lender is required to report my payments to the credit bureau. They did not. I brought this to their attention several times but they continued to treat my loan like it was discharged. So fast forward to XX/XX/XXXXand E-TRADE raises my payment from {$260.00} a month to over {$900.00} on a {$82000.00} loan. I called them and told them there was no way I could pay that. It was way more that my 1st mortgage. I tried to get them to work with me but they were nothing but rude, so I quit paying. It was the only way to get them to work with me. 18 months later I found out they sent my HELOC to XXXX, a debt collector/loan servicer for discharged loans. I have tried to settle with them for a lesser amount a few times through refi but each time my financing fell through. XXXX had approved a settlement 18 months ago for {$35000.00} but once again financing fell through. I now have financing in place and offered them even more, {$37000.00}, but this time they said they want {$90000.00}. So here I am with a loan that they never reported any payments on in 9 years. This loan should not be tagged as a reaffirmed loan since it was never treated as such and I should not be accumulating overages and past due amounts over the bankruptcy amount of {$82000.00}. I would really like XXXX  to honor their agreement that we had to settle at $ XXXX or for this loan to just go away. I tried to due the right thing and make my payments after bankruptcy and have not missed any payments on any of my loans accept this one. I really feel I was forced into a bad situation and ETRADE never followed the law on reporting. It's too late to report 9 years after the fact and it would now hurt all the repairs I have done to my credit. I need some help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
We have been having a problem with the XXXX XXXX falsely reporting to the credit bureaus that we missed our first mortgage payment in XX/XX/XXXX. We wrote a check on XX/XX/XXXX and the check to them was processed by our credit union on XX/XX/XXXX, the due date. I have contacted XXXX loan office twice about this false report of delinquency only to be told they have issued a research ticket. I have also filed the dispute with Transunion   and have been attempting to dispute with XXXX, but can never get through on phone or online. The derogatory statement on our credit reports is fraudulent and needs to be removed ASAP

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 2019-04-20
Company: Experian Information Solutions Inc.
State: KY
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:
experian refuses to report information correctly. They state that I am very late on payments and that I still have an open account and active debt with a bank even tho the other two credit reporting companies have removed this account as court odered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: DE
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 have purchased XXXX through XXXX mortgage company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full

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 2020-01-16
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted Greensky on XXXX XX/XX/XXXX and provided the documentationed they requested on XXXX XX/XX/XXXX. I have not received any communication from them since then. I emailed my contact at Greensky on XXXX XX/XX/XXXX and have not received a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief