BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: SYNCHRONY FINANCIAL
State: IL
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 received a letter from XXXX XXXX about a Care Credit account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid Synchrony about {$60.00} on this account this month. Synchrony never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. Synchrony has all this negative information reflected on my credit reports. I need this resolved right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CREDIT ACCEPTANCE CORPORATION
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:
XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-02-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... Chase Mortgage refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on Chase 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX,  Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: CA
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 FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm making this complaint about M & T Bank without contacting the bank because it feels like they are doing something that is illegal. I opened a bank and savings account with M & T Bank about 3 weeks ago. M & T Bank locked me out of my online account twice, once when I tried to initially log onto my new account, and a second time when I tried to set up a new payee in online bill pay. Both times M & T placed what they called " fraud alerts '' on my account. Because M & T 's online banking system didn't work well, I decided to open a different bank account. I will eventually close my M & T account.

Today I tried to open a new account at a different bank ( XXXX  ). However, I was denied an account. The banker thinks it's most likely because of the fraud alerts M & T has put on my name. The banker said all banks would have received this derogatory " fraud alert '' information about me. Is it legal for a bank to put a " fraud alert '' on me or my credit report without my knowledge or permission? Neither time was fraud. The first time M & T put a fraud alert on me was because I didn't log into my new account fast enough. I had a temporary password, and the password expired before I logged in. That was my mistake, but does M & T have the right to issue a " fraud alert '' on my credit report? The second time they made a fraud alert was when I tried to set up a new payee for my online bill pay. I don't know why, but M & T put a fraud alert on my credit report just because I tried to add a new payee to bill pay. This seems crazy! Now I'm not able to open a new bank account anywhere because M & T put fraudulent " fraud alerts '' on my credit report. I feel like M & T is committing fraud. They're also ruining my credit when all I tried to do was log into my online banking and pay bills. Both times M & T issued a fraud alert, I called them and cleared it up and got access to my account. But now my credit is ruined. I hope you can help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My accounts with Capital One was settled in 2018 and company refused to update to the credit report and still showing as charged off and balances owes. Have contacted capital one, they said someone will call to discuss but no one has called. 

XXXX refuses to remove collections status off of my report after settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: R & B Corporation of Virginia
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 pulled my credit and credit control company is showing like I have unpaid accounts {$290.00} and it was paid in full i have provided the receipt of payment below in the documents section this should be removed because its paid and closed yet its reporting open. You are not reporting accurate information it is law to report accurate information, in addition please remove all non account holder increase over 30 days old. Also please add a promotional suppression to my credit file under federal law you have 30 days to complete your investigation. 
XXXX XXXX ( credit control corporation ) And all hard inquires over 30 days old

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: GA
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:
Attached Screenshot proves XXXX  reported to Equifax {$0.00} balance due but they will not update my credit score, I need to help family get loan for XXXX Please ask them to update my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: IN
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:
I reviewed three credit reports today. XXXX, Equifax and XXXX. The Equifax report actually showed my XXXX XXXX account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XX/XX/2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws ), I inquired as to which bankruptcy court and he said XXXX XXXX attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the XXXX XXXX attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Recover Solutions is attempting to collect a debt that is past the statute of limitations and past the 7 year period for Fair Credit Reporting. They are using illegal tactics such as re-aging and ignoring validation attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: National Asset Direct, Inc.
State: CT
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:
Today, XX/XX/XXXX, I received an alert from Experian that someone had made an inquiry on my credit report. I have not given consent to anyone to pull my credit report. Upon further research, I see that the report was pulled my XXXX XXXX XXXX at iSERVE Residential Lending. 

Unfortunately, he is my step son and I feel my privacy was violated. He used his position as a mortgage lender to inappropriately pull my report - probably on behalf of my ex-husband. 

I have left messages for iSERVE Residential Lending in XXXX, CT, but I have received no response. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Nationwide Financial Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently read a copy of my credit report and saw this company has put a bill in my name out to collection which has subsequently reported to XXXX. I have contacted Nationwide to investigate their claim and have written to them requesting they remove this unfounded charge and correct my credit report. To date, they have refused. I request your assistance. 

Undisputed facts : Auto Policy # XXXX issued to me on XX/XX/XXXX with a 183-day term ( XX/XX/XXXX XX/XX/XXXX ) for a total premium of {$980.00}. Initial premium paid by me on policy : {$240.00}, listed on policy summary page as 25 % of total premium. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 183 days ; coverage provided was for 46 days ( 25.14 % ). Premium paid was 25.00 %. 

Undisputed facts ( cont ) : Auto Policy # XXXX was put back into force on XX/XX/XXXX ( out of force for 11 days ) with an adjusted term ( XX/XX/XXXX XX/XX/XXXX ) of 184 days. This time paid initial premium of {$260.00}, higher than before, but presumably to incur some small cost for reinstating the policy. As policy number remained the same as the original contract, it stood to reason the policy terms remained the same. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 184 days ; coverage provided was for 44 days ( 23.91 % ). 

Summary : Auto Policy coverage terms scheduled for 367/2 = 183.5 days ; total coverage received was 90 days ( 46 + 44 ). Total premiums paid was {$500.00} ( 51.3 % of Policy # XXXXs Total Premium ). Total coverage provided was ( 49.05 % ). 

At Issue : Nationwide/XXXX  XXXX is claiming I owe them an additional {$100.00}. What for? Is this penalty for not keeping the policy? Did they change the terms of the policy ( because it was out of force for 11 days! )?  If the latter, they did so without my consent. ( After I disputed this charge they sent me premium notices from XX/XX/XXXX -- policy already out of force -- showing a different premium schedule. They can not cahnge the premium schedule after the policy is approved and put in force. 

Much like term life insurance, charges are not payable for periods of non-coverage. As explained above, I paid for what was provided to me by Nationwide, and a bit extra. 
I understand by twice lapsing my policy I was not a great customer for Nationwide, but this does not give them the right to arbitrarily apply charges, or change premiums due, past the policy effective date. I can assure you I approved no such thing. 

Please get them to straighten this out.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-10
Company: MoneyLion Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from Moneylion confirming that I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For over a year I have been trying to obtain a modification with my lender Bank of America. I have had my mortgage for over 20 years originally with Countrywide Mortgage then Bank of America acquired Countrywide Mortgage. Bank of America denied the modification stating they could not verify qualifying income. I have worked as a salaried employee in the XXXX industry for over 30 years. I do have a side XXXX XXXX business with my son. Seven months ago I brought in a third party, XXXX XXXX who is a underwriter and she developed the Loss Mitigation Department in XX/XX/XXXX for Countrywide Mortgage. I have not paid her a dime and she reviewed, underwrote my financial package and has re-submitted the package numerous times with the same result of denying the modification for not being able to verify qualifying income. A year ago I did submit Profit and Loss Statements that I completed not my accountant for XX/XX/XXXX and start of XX/XX/XXXX. I am now in foreclosure which was recorded in XX/XX/XXXX. I do not want to lose my home. Not one representative could give a straight answer as to why they keep denying the modification since XXXX XXXX has re-submitted updated, paycheck stubs, bank statements, direct deposits, 1040 tax returns and financial form. Finally two weeks ago XXXX XXXX got to the bottom of the denial that it was because of the Profit and Loss Statements I originally submitted almost a year ago. Instead of conditioning for proof of that income they kept denying the file. XXXX XXXX contacted my Accountant, XXXX XXXX and he completed and signed XX/XX/XXXX & XX/XX/XXXX Profit and Loss Statements and also the XXXX & XXXX Partnership Returns. Bank of America came back again and stated they could not verify qualifying income. Also they state that XXXX XXXX XXXX XXXX, XXXX is the Investor on the loan, they are not they are the Trustee. XXXX XXXX contacted XXXX XXXX XXXX  XXXX, XXXX and they stated they are not the Investor but the Trustee. Bank of America has a lot of mis information as far as my mortgage loan go. Please help me. Attached is one of many of the denial letters. This circumstance has created a huge emotional and mental hardship on me. Have gone through a financial hardship and divorce that is why I have requested a modification so I can get on with my life.

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 2018-03-28
Company: GREAT LAKES
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: NV
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 recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. XXXX is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, US Bankruptcy DO NOT verify to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on 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 explanation
Consumer complaint received 2018-11-21
Company: BANK OF THE WEST
State: WA
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:
Bank of the West is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

Bank of the West reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and Bank of the West just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

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 2017-08-11
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Wells Fargo Dealer Svc Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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