BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( Experian ) Names : XXXX   XXXX  ( XXXX  and Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Experian  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, XXXX, Experian ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX  & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, Experian, XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) 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 2017-12-07
Company: EQUIFAX, 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:
on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my second complaint my first one was # XXXX Bank of America still has my money from the irs that was deposited in XXXX on an account that was closed in XXXX. Do yo the inability to give me straight answer I am searching for a lawyer to help me with this problem I am being evicted and the bank has no response to when or where is my money

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 2021-02-12
Company: FISERV INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We bank with XXXX and they use FISERV for online bill pay. On XX/XX/XXXX the bank attempted to send 2 bill pays, one for {$100.00} and one for {$120.00}. We apparently didn't have enough funds in the account, but FISERV did pay the bills for us. FISERV sent us a collection letter stating we owed them the funds and gave us a phone number of XXXX to reach them. We called on XX/XX/XXXX and spent over 60 minutes on hold. We called back the evening of XX/XX/XXXX and spent about 15 minutes. We called again today, XX/XX/XXXX, and spent another 30 minutes on hold. We have been unable to reach this company to resolve this issue. The only other option on the phone is to get a mailing address to send a physical check to. This company has suspended our ability to pay our bills online, and is not providing a speedy or efficient resolution to the issue. Besides the fact I have YET to speak to anyone from FISERV. We called XXXX, our bank, and they told us we have to talk to FISERV. This has been a completely horrible process and FISERV is not responsive at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a credit card with JC Penney I had late payments in the past due to financial hardship being unemployed I fell behind on payment due to not having the money to pay I have been current with them for the past 3 yrs now and they have increased my limit but will not remove late payments stated they are unable to do that with the credit bureaus

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: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Debit card was fraudulently used at XXXX / XXXX for the amount of XXXX $ In small increments over about a period of a month. 

Multiple small transactions were made over a period of a month or so. 

Attempted to call XXXX upon finding these transactions in my statement. This did not resolve my issue.

Contacted Navy Federal Credit Union to file a dispute and replace my debit card. 

Navy federal denied my claim for fraud with little to no evidence given to me as to why. 

They have refused to helped since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: GA
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:
My identity was stolen and there are inquiries i do not recognize. I have an identity theft affidavit in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ACCT:XXXX This was promised to be deleted from Credit Report not paid in full or settlement but totally deleted. Delete now. Please read notes XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 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 2019-05-22
Company: TD BANK US HOLDING COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
Complaint against TD Card Services, phone XXXX. My credit card account showed a balance of {$230.00}, as of XX/XX/2019. Since I pay off all charges as they are posted, I should not have a balance. Today, Wednesday, XX/XX/2019, I checked my on-line credit card statement. It showed a balance of {$240.00}. Interest in the amount of {$2.00} had been charged. 

On Wednesday, XX/XX/XXXX, II contacted TDBank Card Services. The representative with whom spoke to did nothing to help me resolve this balance. I was given the run around. I told the representative to cancel my card because of the poor service. 

I have also, via submitted numerous e-mails, via TDBank Card Services secure e-mail, asking for an explanation to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account on my mortgage and requested my property tax to be paid before XX/XX/2017. Wellsfargo agreed and sent the payment late. I paid amount of {$5300.00} since the payment was not received in timely manner. XXXX XXXX County refunded Wellsfaro the amount of {$5300.00}. There have been 3 different people assigned to my case up to this date and I have not received the amount that I advanced myself.

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: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Consumer XXXX never entered into a consumer credit transaction with ECMC. I used my credit card as defined under 15 USC 1602 ( l ) with XXXX in 2004. Somehow ECMC has taken my credit and got a loan and has begun to violate 15 USC 1692e because they falsely represented the status of a 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 2021-03-29
Company: Aqua Finance, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The XXXX  XXXX  XXXX  and their comptroller, Aqua Finance became a procrastinating protracted, civil matter which originated with a still incomplete and poorly applied incomplete workmanship regarding three shower renovation projects during the Spring of XXXXAll attempts to resolve the outstanding issues and including a professional inspection of the alleged completed and incomplete work product to observe the obvious poor workmanship was declined by XXXX  XXXX  ( guest shower didn't produce hot water because of a XXXX XXXX  installed, defective shower cartridge pressure valve, a glass shower door detached itself from its ' framing after having been installed in my basement shower, and the use of Velcro to attach several items within each of the three showers was everywhere ) XXXX XXXX  XXXX  NEVER sought to obtain the required necessary permits via any local government regulatory agency.I waited three years before I sought a professional corrective action response from the XXXX  XXXX XXXX  and their XXXXr, Aqua Finance, to no avail.I have recently had two of my three showers professionally renovated and completed ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I notified Experian that I am a victim of identity theft, I am now responding to Experian 's response. I XXXX XXXX did send this request to the CFPB and Experian. this complaint is made directly from myself. attached again i have submitted my XXXX  report and a copy of my social security card and 605B for your review. thank you

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 2021-02-20
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: Account status incorrect

Complaint:
Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Bastion Consumer Funding I, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : XXXX XXXX, XXXX XXXX lender : BASTION Funding Company keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am looking to refinance my mortgage that is currently being financed with BMO Harris Bank N.A., and wanted to take advanced of the current low rates. I had filed for Bankruptcy years ago and both my first and second mortgages ( both with BMO Harris Bank ) no longer display on my credit report. I called BMO on XX/XX/2021 to inquire about the balances owed on the 2nd mortgage or had it been charged-off ( wanted to get an idea of how much I owed, prior to submitting an application for refinancing ). Neither mortgage was included in the Bankruptcy. I was told my inquiry had to be submitted via email at XXXX and that I should get a response within 24-48 hours. I emailed the same day ( XX/XX/2021 ), on XX/XX/2021 I emailed them once again because I had not heard back from them. I received a response with the 2nd email on XX/XX/2021 asking for additional details on my 2nd mortgage to which I provided the response the same day. I emailed once again on XXXX asking for the answers to my questions. I received a response from the Collections Department from the mortgage servicer for my BMO mortgage - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. I was told that I had been misinformed and that the response time can be up to 30 days for this type of request as they needed more time to research. I received a letter in the mail dated XX/XX/2021 acknowledging my request and promising to get a response to my request as promptly as possible, and that a response will certainly be given within the times limit required by the law. I had not heard back from BMO or from XXXX ( the mortgage servicer ) and emailed once more on XX/XX/2021. It is now past 30 days since my initial request and I have not heard back from them either via email ard/or mail. I want to refinance my loan ( s ) and can not proceed without knowing if the 2nd mortgage has been charged-off, what balance I owe on it if any, as I am not able to come up with a definite number as to how much mortgage I should apply for. BMO Harris N.A., has made it very difficult for me to move forward with my refinance because they refuse to answer my questions. I do not want to feel bound to dealing with mortgage that is very difficult to deal with.

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 2022-08-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: PA
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 had a vehicle loan through XXXX XXXX and the car was totaled in a flood. XXXX  was paid by my insurance and gave me another loan for another vehicle. Rather than rolling my old balance into the new loan, it is on Experian as a negative to me? How can I be negative on a vehicle I no longer have an XXXX was paid? Also if I was such a bad customer and owed them money why did they finance my current car? This is an unfair marking on my credit report! XXXX then was paid with Gap insurance and I went over and beyond getting all corrected for them so they would be paid yet AGAIN! This is robbery and credit reports seem to work with these companies that prey on the less fortunate. This amount has been removed from my other credit reports, yet Experian continues to have a WORKING CLASS XXXX woman struggle due to not taking the time to investigate EVERYTHING. I am asking that this debt be REMOVED from my credit report after a COMPLETE and full investigation of total dollars paid to XXXX  on a FLOOD totaled car.

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 2018-07-31
Company: Fleet Financial Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was advised upon refinancing my loan that it would look better if I took on an extended new car warranty. I was advised that it would look better and this would determine if the new company would provide the loan or not.-Per XXXX XXXX XXXX that is not true. I explained to the agent that my car is brand new and has an excellent warranty from XXXX, my car has low miles. I contacted the Credit Union with whom I was placed with and was advised that my loan determination was not contingent upon GAP insurance or an Extra Warranty. On XX/XX/XXXX and XX/XX/XXXX I sent an email to XXXX XXXX to advise him to remove it and he never responded, I called on XX/XX/XXXX advised Mr. XXXX that I needed them removed he told me that I would have to pay a {$200.00} down payment to have the GAP   removed. He advised me that I " refused '' to pay the down payment in the beginning. In the beginning XXXX was checking with the credit union I was advised that I may or may NOT have a down payment. I received the forms, sent them back and then I was told that I would after the fact. By this time that money was spent. That was not a refusal but poor communication on the agent 's part. I explained to XXXX that he never got back with me on the down payment that I did not have a problem paying but after he did NOT communicate it further. XXXX XXXX XXXX covered the entire loan my question is why would I be asked for {$200.00}?. The information I received from I Lending opposed to The actual place who gave me the loan is conflicting, from the suggested requirement of having GAP, Extended Warranties ( my car is a XXXX has a new car warrenty ) to get financed as well as a down payment which seems more like a fee from I Lending and not the credit union. At this point no one has called me back to resolve the matter, I know my rights and want the GAP and Extended Warranty removed ( as I was advised to do by the credit union ).

Also I referred someone to ilending ( before my issues ) company and he used my name to get a referral I was told by XXXX XXXX that I would not be eligible because the party did not use him specifically. Well on the website is says if your refer someone to " US '', us meaning a collective group not an individual. 
Also, I was given this great speech about skipping a payment, I was not told about the fee of {$60.00} that is added to my loan for that. In the end I just ask that they remove GAP and the Extended Warranty- I have enough insurance and don't need to pay for something twice. 

Please contact me XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them

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 2021-08-23
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation