BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: COMMERCE BANK
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I talked to Commerce Bank on XX/XX/2020 and was assured by a representative that my pending loan was canceled. I called to cancel my loan and was assured it was canceled, I got a bill today, because they put it through anyway. They said that record all and therfore the cancelation should be on the recording stating they canceled it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We have established two reoccurring payments with Synchrony Bank. When payments are made, they are applied to the wrong account. When trying to log onto their website, we can only see one account even though we know we have two, both in the same name. It is impossible to log into one of the accounts to make payments and we continue to get notices that payments are overdue.

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 2020-06-02
Company: JPMORGAN CHASE & 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:
Chase bank hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my Chase Checking account ( *XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. Chase tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my Chase Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was Chase 's, but they refuse to correct the error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was applying for a home equity loan at USBank. The process was fine until the appraisal by XXXX. They did a drive by appraisal. XX/XX/2021. Took pictures outside only. My complaint is with both USBank and XXXX  appraisals. I asked when did it become common practice to do a drive by appraisal? Only durring the pandemic is this acceptable. I ask how can you get an accurate appraisal of the house from outside only. I asked about all updates done on the inside of the house and i was told that does not matter. The person escalated to his supervisor and they said because of time and cost they dont want to do anything on the inside of the house. Just get the process faster. I said that is very questionable and now i am here. I feel Usbank and XXXX have not honored the value of my house and under-appraised the value of my house. I do have all lender agreements and the appraisal report if needed.

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 2017-09-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX XXXX {$270.00} XXXX XXXX  {$350.00} XXXX XXXX {$420.00}

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 2020-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a collection account with Experian for XXXX XXXX XXXX. I requested that the debt be validated. All that was sent to me was a ledger of charges. I asked for the actually invoices and a signature showing that each invoice was signed for. XXXX XXXX XXXX has not produced these items. They showed that I was a client of the company XXXX XXXX they are collecting for but they do not show any invoices or my signature accepting multiple invoices totaling $ XXXX. Furthermore the dates that are showing on my credit report contradicts the dates on the ledger that was sent to me. This collection debt needs to be removed from my credit report because it is invalid and its report incorrectly. Experian has refused to remove the debt. An accounting ledger does not prove that the debt is mine. 

The original date of the debt is reporting incorrectly based on their own accounting ledger.

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 2023-03-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XXXX XXXX I sent a certified letter to ask Experian to remove unknown names and addresses from my account. Along with letter I included a copy of my drivers license, social security card also my current utility bill. I also summited the request via web portal on XXXX XXXX. At this point nothing has been removed or updated on my account by this company.

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 2020-09-10
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It appears that XXXX XXXX, XXXX is still at the same tactics once again. This whole issue all starts from a disgruntled employee. XXXX never paid me for the work I provided back in XX/XX/XXXX. I stopped working for XXXX in XX/XX/XXXX when the settlement payment was inaccurate. As stated with plenty of XXXX XXXX  that they needed to get this issue fix in a timely matter to continue driving for this company. 

They didn't get it fixed and sent me a bill in XX/XX/XXXX for attending a XXXX XXXX I never attended a XXXX  school for a XXXX. I had a XXXX since XXXX, which XXXX. After numerous complaints and issues, they said the situation was handled. Now I have a collection bill from XXXX, I am assuming from XX/XX/XXXX in the amount of XXXX in which I never received a notice. Again, I do not owe XXXX XXXX any money for anything. I know for a fact they didn't pay for my services and owe me over {$2500.00}, including hotel reimbursements, fuel, and training students. 

What XXXX XXXX does, is bait and switch. The pay rate and fuel surcharge is quoted as one thing. When you get the settlement statement, they split the total amount of miles, instead and calculated the total revenue rate of 70 %. But they make sure they have all there expenses calculated included the XXXX  training fee with the accurate miles. 

I want to see a reoncilation statement of me oweing this amount when I didn't even work for this company. Most likely again due to this company unethical behavior they are probably associated with me with another driver. 

I want this collection report removed from my credit reports as well as to be compensated for this issue. If they want money from me and to add this to a collection account. Then they need to pay me for the amount of money that I never received in XX/XX/XXXX. 

In addition, how is this even on my personal credit report when the contract and is associated with my business name and business EIN,  nothing should be attached to my personal credit report per the XXXX Contract agreement as I am XXXX XXXX XXXX  under XXXX XXXX XXXX XXXX XXXX

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 2022-06-09
Company: Experian Information Solutions 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 submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: U.S. BANCORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX. Paid off car loan, # XXXX on XXXX/XXXX/XXXX, {$8800.00}. Requested title to be expedited and sent to home address. I was told I would receive a letter followed by an email notifying me of tracking number. Neither were received. 
XXXX. Called XXXX XXXX US Bank, lender ) beginning approximately XXXX/XXXX/XXXX. I had several phone calls. ( I did not track the number until below. ) XXXX. On XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Informed " must be some mix up ''. Will send again. I agreed to call back with my mother 's XXXX account number in order that the title could be XXXX express overnighted. 
XXXX. XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Provided XXXX account # XXXX. XXXX informed that could only send to a XXXX office since it required a signature and I would not be home. We agreed on the XXXX office : XXXX XXXX XXXX, XXXX, IL XXXX. She said the title would be issued and sent by the end of business on XXXX and I would have it XXXX/XXXX/XXXX. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call to XXXX to XXXX inquiring on account # XXXX - with destination to the XXXX XXXX. I was informed no activity on the account. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call, to XXXX XXXX US Bank XXXX. XXXX with XXXX. I informed her of all of the above. She said they did not have a record of me calling back at XXXX to give the XXXX  information. I replied, " You record all your conversations. You are able to check. I have it here on my phone. '' I informed her that I NEED the title to my car ; that I have a buyer ; that I have already lost XXXX buyer. '' She has informed me " she will speak with her supervisor. '' I paid off this loan over XXXX weeks ago. I deserve to have the title to my car. US Bank will not release it. I have tried every remedy I know. The local branch has no authority.

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 2023-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: MO
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out :  XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach.

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
American Education Services AES is the servicer for my lender XXXX XXXX XXXX 

I have requested a temporary deferment 3 times and each time no written response from the lender or servicer. 

I have had this loan since 2006 and never late. Although my account and credit report show a 1 time late about 10 years ago, this is not accurate because AES went from 60-day late reporting to 30 and failed to inform me! 

Also interest rates are at an all time low but my monthly payments have not gone down - they have gone up. AES said there is nothing they can do about it and I have to contact my lender directly BUT THERE IS NO PHONE NUMBER. I think a hedge fund is the lender, but there is no contact information AES can provide. However, I didn't need to contact my lender directly to raise my adjustable interest rate so why do I need to contact my lender directly to lower it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A account at bank of America was fraudulent opened under my name, I believe it was opened by the bank. I contacted the fraud department and they had very little concern and didn't even close the account when I requested them to do so.

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 2020-09-10
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX settled a lawsuit in which they were found to be participating in predatory lending. As a result of this lawsuit, it was determined XXXX had to pay off loans, pay restitution, as well as remove derogatory information from customers credit report. I filed my dispute with Equifax, sending all of the documentation, Equifax states the account is valid and is still owed by me, with a balance due of {$19000.00} yet I received a letter from XXXX, stating the account has been satisfied as of XX/XX//2020. I do not believe Equifax has even researched the information, nor have they updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX  : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXXXXXX, XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Equifax : XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
Have XXXX Accounts with different amounts with XXXX XXXX XXXX {$260.00} & {$950.00} U.S. code 1692G XXXX XXXX XXXX has no state License in the state of Massachusetts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My concern is that Caliber Home Loans has allowed alot of time to go by to tell me that I do not qualify for a loan modification. I have been working with them for 2 years and just recently they advised that my Investor which is XXXX XXXX, will not allow me a loan modification. I dont understand why they would allow so much time to go by to say that when i could have been seeking other avenues. Now I am going to lose my home on XX/XX/18. Please help.

Company response to consumer: Closed with explanation