BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: NJ
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:
there are 3 wrong addresses on my report that I have never been associated with. I believe this is a result of identity theft. Any address in New York is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I was filing my taxes online and was going to have them electronically deposited into my boyfriends account at Union Bank, in XXXX XXXX, CA. My boyfriend went to the bank and asked them to write down his account number and routing number so that I could put it on my tax papers. He then gave me the numbers that the teller wrote down for him for his account and I put them on my tax forms and sent them off, this was around XX/XX/2018. By XX/XX/2018 I still had not received my monies from the IRS into my boyfriends account. A couple days later it was showing as a pending transaction into my boyfriends account, so we figured the next day they would be in there. Well the next day the pending transaction was not there, and there had been no monies put into my boyfriends account. He went to the bank and asked what was going on, they told him they didn't know where the money was and that it probably didn't go into his account because my name was not on his account. They said it was probably sent back. Well needless to say, it wasn't sent back, it was put into the wrong account. The teller had given my boyfriend somebody elses account number, so when I put it on my tax papers that's where the money went to. Two more months had already gone by before I found all this out in XX/XX/2018, after I had the IRS track it and everything. So I get a letter from the IRS and TREASURY DEPT. Saying to the bank to return my money to me with a bank check. So my boyfriend and I go the bank with the letters I had gotten and all the proof and information needed for them to write me a bank check for my money. The manager tells us that it is all our fault the money got put in the wrong account, and we are to get it from the guy that the money went into his account. WHAT? XXXX!! I have never heard of anything so unacceptable in my life by a Manager of a Bank. They still to this date XX/XX/2018 have not returned my money to me. The Managers name is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On Monday, XX/XX/2018 I went to go finance a XXXX XXXX through Capital One at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I want to file a complaint against XXXX XXXX XXXX because the financial representative stated that my rate would be 1 % higher if gap insurance wasn't taken. I was pressured into taking the gap insurance. After contacting Capital One the following day, I was advised that my rate would've been the same without gap insurance. XXXX XXXX used unethical sales tactics and blatantly provided incorrect information to intimidate me and force me to accept the gap insurance. By accepting this gap insurance, I increased my loan-to-value and my amount financed which adversely affected the amount of interest that I pay over the life of the loan and my monthly payment. Gap insurance is optional and could've been obtained outside of the dealership. This is a violation of TILA. Consumers shouldn't be pressured with false information to obtain a product or service that they may or may not want. I attempted to resolve this issue the following day by contacting the general manager at XXXX XXXX. The conversation ended in him telling me that I needed gap insurance. Nothing has been done to resolve my amount financed or interest rate which should be lower than it is. I would like XXXX XXXX XXXX to be investigated for violating consumer financial protection laws. Georgia residents need to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Insight capital went into my account without my authorization and withdrew all of the money out of my account. They never once notified me or asked me anything. I never authorized theffm to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: NC
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:
I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit report that I have an account placed in collections. It said for AR Resources. It says it was opened on XX/XX/2017 yet I received absolutely no communication from this company about this alleged debt giving me no time to dispute the validity of it or even pay before it hit my credit report if it was in fact valid. Under the fair credit act I am allowed 30 days upon receipt of a collections letter to dispute but with no communication from the collector how was I able to dispute? My rights were not given to me and clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed this company on my XXXX  credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: VA
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:
Back in XXXX I sent a dispute to the major credit bureaus for XXXX XXXX XXXX  XXXX I do not owe these people a single XXXX they're trying to collect on a debt that I paid my entire 3 year contract. I sent a debt validation letter to the collection company and never received a response. 

I also made the credit bureaus aware of this mistake and did not receive a response. I realized in XXXX that more than 2 months had went by so I sent the credit bureaus a 30-day no response letter 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 2020-07-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Vendor : XXXX XXXX XXXX : Barclays VISA Uber   Credit Card Transaction Date : XX/XX/XXXX Amount : {$790.00} Planned date of travel : XX/XX/XXXX Panning date of return : XX/XX/XXXX XX/XX/XXXX - Initiated email contact with XXXX  for initial refund, but no response from 2 people due to the COVID-19 pandemic. 

Called XXXX XXXX and confirmed that the flight has been cancelled. 

XX/XX/XXXX - XX/XX/XXXX - Called Barclays VISA Uber credit card customer customer support regarding this dispute and only gave a conditional refund. 

XX/XX/XXXX - XXXX did a rebill and appeared back on the customer credit card. 

XX/XX/XXXX - Called Barclays regarding the transaction and wanted to resolve it but they are refusing email communication and only letters/fax for evidence of cancellation. 

XX/XX/XXXX - XXXX stated that they are not responsible for our refund and that we need to contact the bank - but stated we should receive a refund from XXXX which was very confusing. Called Barclays bank but never picked up ( assumed due to holiday ).

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 2020-05-31
Company: EQUIFAX, 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:
There is a charged off acct reported in my credit with XXXX  XXXX and I have sent several certified mail investigation requests to XXXX, XXXX, and Equifax and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: TN
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:
There are two of student loans on my credit file that I have been disputing since XX/XX/XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.

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 2020-11-03
Company: EQUIFAX, INC.
State: TN
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:
There are two of student loans on my credit file that I have been disputing since XXXXThe loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told on two occasions my refinance was approved and a closing was imminent. The first occasion was XX/XX/2020, I received a call from a processor who advised me not to make my XXXX mortgage payment because those funds would be used at the closing. The closing never occurred and I received late fees once I made the payment. This happened again in XX/XX/2020 and then I was told my mortgage application had expired and I am no longer eligible for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After reviewing my most recent credit report, TD Auto Finance has : 1 ) continues to report although they have charged off the account and has the unpaid balance reported as a loss by credit grantor. How can they continue to report.

2 ) shows that the last payment received was in XXXX, 2019 but they repossessed the car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have had this account for years. I recently tried to use card and it failed. I called on and read they put a " hold '' onto my card/account. I did nothing wrong and card should had never been " held ''. I am requesting my card to be active again ASAP as I need access to MY funds in the account. I am XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX I was charged {$140.00} in Overdraft Fees for {$20.00} overdraft as well as on XXXX/XXXX & XX/XX/XXXX I was charged 2 Overdraft fees over the same transaction twice

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 2021-02-22
Company: BSI Financial Holdings, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time I am submitting this complaint because it was not resolved the first time. Here is the info again : BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. We mailed a check for that payment on XX/XX/XXXX. We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the XXXX as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance. 

The company responded with a letter stating that the payment for taxes had been made. This is not what I requested. The response letter did not state that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice. It also needed to state that all future escrow disbursements will be made on time. 

Having delinquent taxes appear on my credit report can be harmful to my financial success in the future. BSI stated in their letter that " The timing of that tax disbursement will not influence at all anything that BSI reports to the credit bureaus. '' BSI does not report delinquent taxes to the credit bureaus. The government agency collecting the taxes does. Having a letter stating that BSI doesn't report delinquent taxes to credit bureaus will not help me dispute the delinquent tax payment with the credit bureaus should it appear on my report. Having a letter stating that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice will help with a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Investigation took more than 30 days

Complaint:
Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have to ask Discover to send proof of the account being opening by me and it's now 90 days all they will send is a letter full of accusation and a signed application or electronica application with IP address information. This is a violation of the Fair Debt Collection Practice Act. I am asking for proof of debt no a statement or letter of accusation. I am will take an Affidavit sworn by Discover that this account is mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My identity was compromised cc from different companies where used too obtain XXXX in my name

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 2020-02-22
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:
2017 I opened. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. After I paid the accounts off on time they were removed from 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 2020-11-03
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS

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 2022-01-05
Company: Mr. Cooper Group Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
to add more info in my favor i just got an email off of mr coopers website that states i was currebt on XX/XX/XXXX XXXX //Thanks for your recent payment. We posted it to your account on XX/XX/2019 for the property at XXXX XXXX XXXX XXXX their is no way the numbers they havr listed could be right the first day they could of listed for 30 days jate would have been XX/XX/2019 and other numbers follow suit thanks

Company response to consumer: Closed with explanation