BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: ERC
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:
The credit bureaus are reporting this collection account on my credit report that does not belong to me and it's causing me problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Barclay Visa with XXXX Rewards. They did not apply payments to my account. Also, they refuse to furnish statements or provide account information. Im blocked from my account online. I can not view a history such as balance, payment etc. Ive made XXXX calls but they refuse to help.

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 2020-07-24
Company: EQUIFAX, INC.
State: VA
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:
My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the Equifax breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXXXXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXXXXXX XXXX XXXX {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to NATIONWIDE CREDIT & COXXXX to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I have never had a contract nor an agreement with them. They have not contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
chase bank not giving my money back from closed accounts. I have XXXX in checking and XXXX in saving. I has a appointment then on our way for the appointment they canceled the appointment, the refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/XXXX I attended a seminar that I was reach out to in reference to cancelling TIMESHARE that we no longer want. We attended and joined XXXX XXXX XXXX ( XXXX XXXX ) to cancel our memberships with my timeshares. This company stated that they have 365 days to complete this. As the year was passing by I sent them many e-mails because I was not seeing any results and was still getting e-mails and phone calls from the properties. I even contacted the Attorney General and they also were not able to contact this company. I Filed a disbute after the year was up, XX/XX/XXXX with XXXX ending # XXXX CASE # XXXX along with my attorney that was helping me with this case. His name is XXXX XXXX from XXXX XXXX XXXX and was on all the calls with me when we started to dispute. 
It took a while for them to get my paperwork and still had to resend all my info again. I filled the original disbute on XX/XX/XXXX and several phone calls later. XX/XX/XXXX they finally opened my case and said they would have it resolved within 45 days.They finally send me a decision on XX/XX/XXXX and state that Due to the length of time from which I filled and the original purchase date I was past there complaint time to file. So we had to fight it again, On XX/XX/XXXX I sent a letter that I don't agree and had to open the case again. XX/XX/XXXX and had to resent all my info again because they had to reopen my case as to they. This has been way over the time frame 45 days they gave me as to when this would be resolved, I get a phone call in XX/XX/XXXX and they tell me they can not refund me the {$4000.00} because I would need an attorney to handle this for me because I signed a CONTRACT with XXXX XXXX. My attorney clearly said that was not necessary and we called them again and we did and they still had no answers for us. ( I have been trying to reach my attorney and now he is not responding to me, Another Issue ) The cc company was suppose to get back to us with a response and never did.

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 2018-03-10
Company: EQUIFAX, INC.
State: MD
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:
My complaint against XXXX anf Equifax is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. XXXX  and Equifax are not aware of that law. 

Other discrepancies also exist. XXXX  nor Eqifax have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The XXXX reporting always lists those terms and they are without credible data. 

I would like XXXX and Equifax to correct their reporting and provide me with the corrected report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXXXXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a XXXX rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because XXXX and NCS is publishing inaccurate information on my credit reports. 
And asking NCS and XXXX  to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
First of all, I am not American and English is not my native language. I know there are some regulations that cares about this kind of situation. 

Secondly, I got a car loan from Prime Acceptance Corp, done under abusive interest rates of 29 % apr. 
Lender : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX I was struggling to pay the loan on time. I asked help with them to renegotiate the contract. They refused. 
I had my car repossessed. I paid all the requests they did XXXX XXXX to them + XXXX parking fees ) The company forced me to make payments after repossession using XXXX, in cash. Calling to XXXX XXXX, they told me there was no difference ( online payment or in person ). 

I ended up paying XXXX in cash ( as Pac required ), and XXXX ( online, not accepted by XXXX, but they refuse to refund ). 

I requested them to use this extra XXXX to pay the last installments XXXX to reduce the interest I will be paying XXXX. However they refused : they want to use this balance of XXXX to pay the next installments with full interest rate. 

I need some help regarding all this situation : 1. abusive interest rate 2. Use my extra paymanets to amortize my balance, and reduce the interest rates : paying the last installments. 

My monthly payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I received a notification from the Dept of Education that XXXX  XXXX XXXX would be my loan provider. My loan was not posted to my account. When I called XXXX XXXX XXXX, they informed me it wouldn't be posted to my account until XX/XX/XXXX, several weeks later. During those weeks, my loans would be accruing interest yet I would be unable to make a payment. When I complained to XXXX XXXX, they were somehow miraculously able to post the loan the next day. 

This loan servicer manipulates payments in a multitude of ways. I experienced this through the entire repayment process for my undergraduate loans. This servicer does whatever they can to maximize interest expense at the expense of the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX Account # XXXX I was never late, 30 days XX/XX/2020. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. 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
Consumer complaint received 2018-03-10
Company: Southern Auto Finance Co
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 information incorrect

Complaint:
I definitely understand the importance of good credit and being a responsible person. During the year XX/XX/2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted SAFCO to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried to explain i lost job due to covod not able to find a job i only get XXXX from unemployment so is hard to pay they wont work with me at all scared to lose my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We submitted a home refinance to Citi Mortgage on XX/XX/XXXX. Our initial closing date was set for XX/XX/XXXX. It was then rescheduled for XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX and now for XX/XX/XXXX. Phone messages have been ignored and there has been minimal email communication apologizing for the inability to set a concrete date for closing.

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 2021-03-29
Company: Experian Information Solutions Inc.
State: MA
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:
Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now

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 2019-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees are being charged on this account, for many years, even on one-time debit transactions, though I have never opt-Ed in or out of overdraft protection. 

This is a business checking account that has been continuously active for more than 10 years..over the years I have made some financial errors causing my account to be overdrawn. As a result, i have incurred a lot of overdraft fees. 

I have recently learned that the Overdraft Protection Law of 2010 states that since I never opt-Ed in to overdraft protection, these fees should not have ever been charged. Im not proud to say that over the years, this has probably happened over 100 times, so I am looking at a few thousand dollars that has been illegally been charged. 

My bank has told me that because this is a business checking account, that they are required to pay these transactions. However, in my research, I do not see any special rules for a business account versus a personal account. 

Again, this is happening on all types of debit transactions, including one time transactions. Some, but very few of my fees have occurred due to automatic payments and checks, which according to my research, are the only types of transactions that a bank is allowed to charges overdraft fees on, when a customer has not opt-Ed into overdraft protection. 

My bank will authorize and pay for nearly any transaction, even if there are insufficient funds. Many times I have made a purchase thinking I had sufficient funds when I did not. My account will then be negative with these pending transactions, and as long as I fund the account before those transactions clear, I avoid the overdraft fee. However, sometimes I am unable to fund the account in time, and this is when fees occur. The majority of my fees are a result of this process.

Company response to consumer: Closed with monetary relief