BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MI
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 am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, XXXX, XXXX  and Equifax, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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: Information belongs to someone else

Complaint:
On my credit file I have fraudulent accounts that I want to get verified with copy of the original contract, signature and any other evidence to confirm the account is valid, if the company can't provide the solicited documents I want to get the fraudulent accounts removed from my credit file under section XXXX. 

Experian Won't process my dispute online appears this message : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. 

XXXX Mon - Fri : XXXX - XXXX The fraudulent accounts that I want to get investigated under the section XXXX are : Account NameXXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 

Account NameXXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX Account NameXXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX  ResponsibilityIndividual Date XXXX StatusPaid, Closed. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedApr XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$8800.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$8500.00} Highest Balance {$0.00} XXXX Months Account NameXXXX XXXX XXXX Account XXXX Account TypeXXXX ResponsibilityIndividual Date XXXX StatusOpen/Never late. 
Status UpdatedXXXX XXXXXXXX Balance {$3700.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$3300.00} Highest Balance {$0.00} XXXX Months

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 2021-04-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refinance loan and Navy federal Credit union On or about XX/XX/XXXX, Loan was denied for the followings as indicated in Navy Federal Credit Union XXXX dated XXXX XX/XX/XXXX received via regular mail on approx. XX/XX/XXXX. 
As per conversation with XXXX XXXX  as point of contact indicated in letter regarding customer inquiring about errors of no liens nor construction on property. 
Customer requested proof of appraisal and proof of Liens as Navy federal indicated. 
XXXX. No liens on Property since XXXX. 
XXXX. No adjustor to confirm any construction on property. 

XXXX XXXX had customers telephone privileges terminated. 
Customer is XXXX and XXXX  therefore customer request telephone privileges restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NY
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 account balance has not been updated to reflect my current balance

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 2021-08-19
Company: Experian Information Solutions Inc.
State: MI
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 am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX  XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, Experian, XXXX  and XXXX, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period

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 2019-08-28
Company: Experian Information Solutions Inc.
State: NY
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:
I am a victim of identity theft

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 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Missed credit card payment in XXXX, and XX/XX/2019, with XXXX XXXX Credit card through Bank of America. The balance was {$26.00}. 

I had the impression that my credit card was on autopay just like my wifes. She set up both of our cards for autopay at the same time. She followed the credit card companys online instructions. Apparently its an issue for a lot of people cause there were a lot of people asking how to set that up on their forum. Her card was successfully set up and have been paid every month so She assumed that mine was too. Shes the one in charge of bills in our household. I honestly didnt know that my cars wasnt set up for autopay like the rest of my other credit cards until my card got canceled. There are articles that tell consumers how tricky it is to setup credit card autopay with BOA. 

She had called BOA and explained the situation and I tired to reapply for another credit card. Giving our high credit history and never missed any credit card payments, BOA rejected to reinstate the credit card and my credit is affected. It feels like BOA intentionally make their autopay system not transparent so they can charge late fees and interests for missed payment. Please advise what we can do to restore my credit and reinstate my credit card.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.

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 2020-09-14
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Aargon Agency Inc called my cell phone with an automated/robo-caller on XX/XX/2020 at XXXX and again on XX/XX/2020 at XXXX. Aargon Agency Inc does not have permission to contact this cell number via automated/robo-caller or human caller. This is a violation of TCPA and FDCPA for the following ; Calling a cell phone with an auto-dialer, calling before XXXX, and calling without consent. I have the robo calls and data saved for upcoming litigation.

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 2020-08-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$860.00} XX/XX/2018 no notice of debt or verfication of account or debt.

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 2020-06-25
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Step 1 : What is this complaint about? Wrong information.

Step 2 : What type of problem are you having? Reporting wrong information to credit bureau.

Step 3 : What happened? They offered me to pay {$100.00} instead of $ XXXX  monthly in the pandemic period, and promised it wont affect my credit, but they reported as a late payment. 
Step 4 : What company is this complaint about? Bridgecrest Step 5 : Who are the people involved? If you look through your website over 500 people involved with this.

During the Pandemic, I lost my job. Meanwhile, I applied for unemployment, I called to the bridgecrest ( company for auto loan ) and explained my situation so they offered me the monthly plan XXXX {$100.00} per month XXXX instead of {$330.00}, which was lifesaving for me at the time. Before, I accepted the deal, had spoken to differ representatives several times and specifically asked them is this monthly plan would hurt my credit? And they said, '' no worries, as long as you pay on time, we wont report it. Unfortunately, 3 weeks ago, I found out that they reported as delinquent to the credit reporting bureaus, and my score dropped down 107 points!! I called them over 10 times and talked to the representatives and the customer relation departments but they didn't help me. I asked to talk to the manager or supervisor but they didnt connect me to them and promise me that one of the managers would call me but it never happened. Recorded call is existing for you to make sure it was bridgecrest companys mistake. This company mislead me by providing the wrong information and ruined my excellent credit score. During this pandemic, all other companies are helping customers but this company not only didn't help me, also made my life miserable. also attached bank statement and loan payments that you can see, I paid all previous payments on time and also paid {$100.00} on due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of an apartment and after moving out I noticed I had been sent to collections. 

I asked for information as to what the charges where and I was told that I was in collections and they no longer had the information and stated that due to corona virus they were short staffed and could really help me. I was told it was " damage '' assessment after I moved out but I was NEVER notified and I wasn't aware of any damages. 

I contacted the collections agency and told me that the only information they had was an amount and could give me further information. 

I dont know where they are getting the amount from and no one is giving me information I was just sent to collections. 

I asked for them to remove since I wasn't informed but they refuse to verify amounts or give me any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a first time customer with Citi Cards since XX/XX/2019 to which I accepted a Credit Card offer from Citi Cards and they stated on the letter offering I would be 0 % APR for the first 18 months. However that has totally NOT been the case at all as a matter of fact when I tried to contact them about the issue they stated they did not have that information anywhere and did Not help me further, I ended finding out about the interest rate when I received my first credit card statement and was completely in shock of the Interest Fees being applied. If I would've know about the card not offering that offer I would have NEVER accepted it. On top of that I have contacted them twice about Help I've needed during these unprecedented times of Covid-19 and yet they have continued to charge me high interest monthly rates of {$100.00} knowing very well I have been laid off since XXXX because of the Pandemic. This is absolutely insane and ridiculous they would operate in this matter when we are facing a worldwide pandemic. I have NEVER dealt with such company that tricks you with Lies, absolutely disgusting how they are Not helping their consumers!

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 2021-08-19
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Wells Fargo account has been updated account numbers and overdraft fees over and over also payments are not being paid on time so credit card limit has been decreased for that XXXX XXXX account was not paid on time

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 2021-08-19
Company: Experian Information Solutions Inc.
State: VA
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:
I am locked out of my Experian ACCT by the hackers I reported. I reported identity stolen 3 days ago. Today I got alert someone hit my LOCKED CREDITN DROPPED CREDIT SCORE 11 PPoiNTS. PLEASE ADVISE EXPERIAN TO REMOVE FRAUD ATTACKS AS. CREDIT IS FROZEN. Return 11 credit points to my credit, please.. THANK U

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 2019-03-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i asked for my account to be closed and they are taking me thru 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 2020-06-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 I deposited {$6100.00} at Santander Bank branch in person in XXXX MA. This was made up of {$57.00} in cash, one check for {$91.00}, one money order for {$500.00}, one money order for {$490.00}, and 10 money orders for  {$490.00}. All the money orders are through XXXX XXXX XXXX. 

I expected the funds to be available at the latest on the end of the second business day after the deposit, in accordance with Santander 's funds availability policy. https : //www.santanderbank.com/us/get-started/personal/funds-availability They weren't available and my available balance has been showing as < {$300.00} ( {$290.00} exactly ) ever since then. I contacted Santander Bank by phone on XX/XX/XXXX asking about my funds. They did an investigation internally and told me at the end of the phone call the there was a hold on the funds that would clear by the end of the next business day. It is currently past XXXX on the next business day XXXX XX/XX/XXXX ) and my funds are still not available. Besides violating what was told to me on the phone yesterdy, they have violated their own funds availability policy : " Note : In some cases, we may delay availability to withdraw funds beyond the periods described above. If we do, well notify you. If this does happen, the funds will generally be available on the sixth ( 6th ) business day after the business day of deposit. '' Note : I was never notified that there was a hold on my funds.

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 2023-01-20
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: Information belongs to someone else

Complaint:
Thank you for taking the time out of your day to assist me with this issue. In XX/XX/XXXX I have contacted this creditor and advised them that I am a victim of identity theft. I provided them with all proper information and still refuse to assist me with removing this information off my credit report. I also provided them with police records that I have advising them I have been a victim. I called them today XX/XX/XXXX and they advised me that they will not remove this information off my credit report.

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 2021-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple calls between XXXX and current from different numbers from portfolio recovery. Told every single time not to call but to contact by mail. Portfolio recovery has also called family members and told them they were attempting to collect a debt from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: MI
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:
I received an alert for a credit inquiry from XXXX XXXX I disputed the credit inquiry with the company and was told it would be deleted. As a follow up I reached out to Experian to delete the inquiry as well and it was not done with no explanation provided. I did not authorize this inquiry of my credit report.

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