BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2017 Called bank of America credit card department to remove myself as a authorized user of my ex-husband credit card. I didn't know why my name was on it in the first place. The associate told me that if I didn't have the account number they couldn't help me. I called again with the account number. The associate said that she couldn't verify me so couldn't help me. I told her that she couldn't ask me any of my information. She said she couldn't. I asked her what was her name and she said XXXX. I asked her what is her last name and she refused to answer. She could ask me any questions to verify me but she didn't.

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 2019-01-05
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is regarding my XXXX service. Had to stop service due to move. Its a matter of returning all rental equipments to XXXX. I made a mistake, missed one equipment but returned it too after being informed there is one more to return. I have receipts If needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: CO
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:
Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES 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 {$3300.00} XXXX XXXX XXXX XXXX XXXX. XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$6800.00}

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 non-monetary relief
Consumer complaint received 2019-05-15
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: Personal information incorrect

Complaint:
Experian has the wrong social security number in their system and when I call to fix it the answering machine keeps hanging up on me.

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 2022-08-13
Company: EQUIFAX, INC.
State: NC
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:
There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been dealing with an on-going dispute involving my credit reports. I have a derogatory account reporting on my credit for an auto loan that I did not open. This account is not mine and neither did I assist anyone on this matter. This information is incorrect and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions 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:
Ive diisputed this particular acct XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX and XXXX XXXX for the compay XXXX XXXX XXXX in the amnts of XXXX and XXXX which Experian keeps stating they have verified as accurate. Ive asked in each disputes how they have come to these terms and they have yet to produce. I then in XXXX filed a compliant via your portal only for the response to state company does not recognize. I sent a letter after speaking with some one on XXXX from complaint id # XXXX and another complaint was initiated only for it to come back XXXXXXXX advising same thing under complaint id # XXXX. I then sent another letter authorizing the resolution of acct via you investigation. Only for them to send me another letter stating what I disputed was verified accurate. Please help Im convinced no human is getting this 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 2017-10-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
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:
On XX/XX/XXXX I scheduled a payment to XXXX XXXX XXXX. The payment returned due to reasons beyond my control. I called XXXX to recover the payment via debit card in which they would not accept. A rep even advised me XXXX or Toyota Motor Credit were going to run my check again so therefore I did not have to schedule a payment to avoid having a duplicate payment. I called my bank to confirm XXXX only attempted the payment once and XXXX did. I assumed XXXX was going to run the payment again that day or the following day since I was told they were going to by a XXXX XXXX rep. I diligently called XXXX to get this payment recovered before the payment reversed in their system. I received conflicting information about their attempts and process. The information they provided was very misleading and deceptive which prevented me from recovering my payment in time to stop the reporting of the delinquency. I 've always made my payments on time including this one time. They allowed me to make a double payment the following day after they determined they were not going to make that attempt again. So now my credit is ruined because of their negligence and inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: DailyPay, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I STARTED A NEW JOB ON XX/XX/XXXX. IMMEDIATELY I WAS INUNDATED WITH EMAILS TO SIGN UP FOR PAYCHECK ADVANCES FROM DAILYPAY ( COMPANY NAME ). I DID NOT SIGN UP. ON XX/XX/XXXX I RECEIVED AN EMAIL THAT I HAD ADDED INFORMATION TO THE ACCOUNT. I CALLED DAILYPAY XX/XX/XXXX AND THE REP STATED SHE WAS OPENING A FRAUD TICKET. ON THURSDAY XX/XX/XXXX THAT I HAD ADDED A BANK & DEBIT CARD. I CALLED DAILYPAY XX/XX/XXXX AND THE REP ( MALE ) THAT ASSISTED STATED THAT THE PREVIOUS REP ON XX/XX/XXXX " MESSED UP '' AND DIDN'T " FREEZE '' MY ACCOUNT & THAT FUNDS HAD BEEN TRANSFERRED. SAID I'D SPEAK W/ THE FRAUD SPECIALIST XXXX XXXX SHE PROMISED THAT THE FRAUD CASE WAS OPEN & NO WITHDRAWLS/PAYMENTS WOULD PROCESS. ON XXXX MY PAYCHECK WAS ERRONEOUSLY DEPOSITED INTO THIS DAILYPAY ACCOUNT. NOW THEY HAVE MY ENTIRE PAYCHECK & ARE REFUSING TO RETURN IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: AK
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:
XXXX is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from Cornerstone services without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking XXXX to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. 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 2017-10-05
Company: EQUIFAX, INC.
State: SC
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:
Equifax has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX -XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised, Ive tried explaining to XXXX Trans union and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) XXXX. XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXcct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My father took out the va loan well he died I've been making payments and never late on insurance nor taxes well loan sold the house without explanation They wont talk to us the other was XXXX they said they're no longer involved with loancare in XXXX Wisconsin but they refuse our payments said theyd only talk to my father even after we showed death certificate and insurance up to date taxes up to date

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 2018-01-25
Company: ALLY FINANCIAL INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Consumer Financial Protection Bureau Ally bank made a mistake on my mortgage loan. I proved it to them. They eventually admitted it. However, they seem to refuse to resolve the problem. 

I had a new construction built for me with a construction loan. When the house was near completion, I chose Ally Bank to refinance the loan as my permanent lender. They mistakenly processed my loan as a secondary residence when in reality it was my primary residence. I noticed the mistake early in the process. They said they would fix it. But they continued to process the loan incorrectly as a secondary residence. 

The major timeline of events are as follows : - In an email dated XXXX XXXX, my loan coordinator XXXX XXXX informed me that my disclosures were ready for me to review. I noticed that the pre-filled application marked my home as a secondary residence. 
- In an email dated XXXX XXXX, I informed XXXX XXXX about the mistake and that it should be marked as a primary residence. In an email dated XXXX XXXX, XXXX XXXX said that the loan would be for a primary residence. 
- At the closing of my new house on XXXX XXXX, the closer noticed that the paperwork still had my home marked as a secondary residence. She advised that we continue with the loan anyway and that I should bring the mistake to Allys attention afterwards. After closing, I immediately phoned my loan coordinator XXXX XXXX and told him the situation. 
- Ally stated that the only way to change the status of my home to a primary residence would be through a refinance. In an email dated XXXX XXXX, XXXX XXXX, the person XXXX XXXX forwarded me to, said that interest rates had gone up and that he might be able to cover some of the costs but not all. 
- After they ceased communication with me, I threatened to report the incident to the Consumer Financial Protection Bureau. XXXX XXXX contacted me soon after, finally admitting to the mistake. He tried to convince me that there would be no adverse affects to leaving the loan unchanged. I did not like this option. 
- On XXXX XXXX, XXXX XXXX called me and left a voicemail. After apologizing and acknowledging that it was Allys mistake, she told me that she had the ability to change the residency without refinancing. I attempted to call her multiple times and left voicemails. Her voicemail to me on XXXX XXXX is the last communication Ally has made with me. 

Attachments : - Email showing that I noticed the mistake early and asked them to fix it. 
- Email showing that they would fix it. 
- Voicemail admitting their mistake and how they would fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we paid off a mortgage loan with Chase bank. The mortgage loan was secured by property into adjacent counties. Chase bank release the lien in one county,  XXXX, but not in XXXX County. After we received a contract for sale on this property we were informed by the closing attorney that there was an outstanding lien with Chase. I contacted them on XX/XX/XXXX And have made numerous phone calls since then and still can not get them to release the lien in XXXX county. The closing on our sale was yesterday, and it is on indefinite hold until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be corrected.

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 2017-10-05
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company ( who has already secured a legal judgement & garnishment order against me ) has attached this debt to my driver 's license. They say that if I do not make payments of at least $ 100/mo, my driver 's license will be ( and has, twice ) suspended. They no longer are allowing missed payments or paused payments due to financial hardship. This is causing a major stress in my life.
Also ... my veteran status is due to service in USPS, which was n't listed in the dropdown menu ( not the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

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 2021-12-01
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: AL
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:
I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New information based on CFPB, XXXX, we sent out a debt validation letter on this property with loan number ending XXXX. This is the information they sent back. 
The debt was not validated and they are collecting the 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