BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-06-10
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was checking my credit report and realized they have a debt as a collection with their company that was paid off back in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Grain Technology, Inc.
State: VA
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:
Grain credit suddenly closed my credit account after charging me a XXXX dollar annual fee that wasnt disclosed in the application when i signed up. Ive been a member for close to 2 years never had one problem. They take the money then send me a email a few weeks later saying my account cant be verified and to fix it before XXXX XXXX here it is XXXX the XXXXXXXX XXXX and they have already closed my account without even giving me a chance to verify. Now they are unresponsive and will not answer my emails phone calls or XXXX messages. On top of everything there is no explanation for what cant be verified. Everything is in order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: U.S. BANCORP
State: OH
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:
I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my XXXX XXXX XXXX XXXX card on XXXX/XXXX/XXXX an amount of {$10000.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. 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 2017-10-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged 29.99 %, and I am supposed to have a 24 month no Interest Promotion.  I contacted Synchrony back every month about the charge. I have been charged {$330.00}.

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 monetary relief
Consumer complaint received 2021-10-26
Company: General Motors Financial Company, 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 information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: IL
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 authorized payment for my XXXX XXXX  XXXX account To XXXX XXXX on XX/XX/XXXX for the amount of {$6.00}. I received a notice generated by their computer that the payment was authorized. After making the payment, my balance was XXXX. I never followed it up because the account was paid off in full. I never received a phone call from XXXX bank that the payment was not made. I never purchased anything from XXXX XXXX  XXXX until last week. 

All of my prior payments were being made through the same bank account and I had no problem. In fact, I had authorized the bank to take the minimum payment on the due date of each month. 

The bank is claiming that my account was frozen at XXXX XXXX  and when I checked it out, my bank told me that the account was never frozen. In fact, I looked at my account and all the other payments were being made that I authorized. Due to this my credit score went down from XXXX to XXXX. I also realized that one of their Reps outright lied that my bank account was frozen. 

I have called XXXX XXXX  about the payment about 4 times and still, they are not removing late payments of 30 and 60 days. They connected me to Equifax and I could not upload the notice authorizing the payment on XX/XX/XXXX. I have already sent the authorization to XXXX. 

Once I realized the late payment of 60 days, I made a payment so that my account is current. Due to this, I was denied credit from XXXX bank where my account is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I paid off my loan with XXXX XXXX XXXX on XXXX/XXXX/XXXX and requested on XXXX for the GAP insurance to be cancelled via email. They sent an email back requesting I fill out a form and return it, which I did the same day ( XXXX/XXXX/XXXX ). XXXX XXXX, an employee of XXXX XXXX XXXX, confirmed receipt of the requested document on XXXX/XXXX/XXXX. That same day I also sent the cancellation form to Santander and they confirmed it was cancelled on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I emailed them asking about my refund from the cancellation of the GAP insurance. They responded on XXXX saying the cancellation has been received and process and that I needed to follow up with the dealership to get my refund of {$800.00}. I have made numerous phone calls to XXXX XXXX XXXX asking about my refund and many times will tell me the person who handles is n't in that day and will call me back. I never receive a call back. I have again called today and was told they will call me tomorrow. On XXXX/XXXX/XXXX, when I initially called to cancel, they told me it would take XXXX weeks to receive my refund and have since not been given any reason why I have not received it in the quoted timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan. Of {$1500.00}. My first statement was the balance was {$1600.00} with my biweekly payments of {$330.00}. Beginning XX/XX/XXXX. I come to find out to try to pay off my loan I owe {$2400.00}. And every payment that I have made biweekly since XX/XX/XXXX has all gone to only interest to them. Nothing has come off the principal balance. I called them to change my bank account information in early XX/XX/XXXX. and they never updated it and have put my account into delinquent status because they tried to pull from a closed account. I was not aware I had to pay all the interest upfront for payments before they even start taking amounts off the principal. Also when I requested to change my account informations they told me the only thing I have to do was fill out the new direct withdrawal form with my new routing number and email back. Then when I call to pay off and ask why my account is delinquent they told me I have to have a 3 way call with my bank to change my bank information to the new bank. Which has also lead to fees changed by my old bank for insufient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, 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:
Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX that has since closes in XXXX VA and was told that they would soon have the accreditation that would transfer by the time I graduated. I am a veteran and had my entire tuition paid for except for a total of XXXX that I paid back in full. Years after graduation, I was told that a loan for the exact same amount on the same days was taken out for a campus in Florida. I contacted the Florida campus and talked to the XXXX who assured me that I have never been enrolled on campus or online. I have filed a Borrower 's document for protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past three days ( XXXX ). This is likely due to the volume of requests.

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 2020-10-08
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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2017-10-04
Company: Rocket Mortgage, LLC
State: OK
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:
On two different occasions, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, Quicken Loans initiated unauthorized credit inquires. These were associated with unsolicited phone calls they made to me attempting to get me to renegotiate my existing mortgage with Quicken. I did not authorize their credit inquiries, and now fear I was a victim of " churning '' by quicken loans. I have subsequently discovered that these inquiries are affecting my " credit score ''. I received a third call from Quicken on or about XXXX XXXX, again they were attempting to revise my mortgage. This again, was an unsolicited call. Although I informed the caller I had not solicited them to call me they persisted in attempting to execute the transaction by suddenly transferring me to a " loan officer '' whom attempted to discuss my loan. At this time I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Credit Karma, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX my card was hacked for a total of {$4600.00} i immediately contacted support and was told a case was opened and i would receive provisional credits on XXXX. And that the investigation would take around 30 days. On XXXX i was told my case was denied less than 24 hours before i was set to receive my money back. I called and was told they opened up an appeal and i would hear back in the next 10-15 days. Fast forward to the next day XXXX and i am completely logged out of my account with the message account deactivated with funds still left in the account with no way of accessing them. I have called multiple times since with no real answer and told to wait for an email from a specialty team. I am now completely without any of my money and unable to transfer the funds i did have in the account out to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from 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 explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: LA
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 been an XXXX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.

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 2017-10-04
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I contacted XXXX XXXX card customer service run by Barclays on, or around XX/XX/XXXX to  dispute a charge from XXXX XXXX in the amount of {$69.00}. 

Initially, I thought this was a fradulent charge because I did not remember making the purchase. XXXX, in turn, canceled, then re-issued my credit card. 

At this time I was also referred to the dispute department and was assured the disputed charge would be removed after they confirmed with the vendor ( XXXX XXXX. ) The conversations, as I understand it, were document by XXXX and they do not dispute the fact that I reported this. 

I followed up on a monthly basis for appoxiamtely 4 months until XXXX stopped corresponding. 

on XX/XX/XXXX I again noticed a charge from XXXX XXXX for {$69.00} for a re-curring membership. My first thought was, part of the reason we re-issued a card was so XXXX could not re-charge my card in the future. 

After a one hour phone conversation, XXXX was able to conference call XXXX XXXX and finally cancel my account and refund this years charge. 

Last years charge has never been resolved.

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 2017-10-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have XXXX accounts on my credit report with Equifax that are in collections status. It 's in reference to a worker 's compensation incident that happened while at work. The medical bills acquired while seeking necessary medical care were n't paid by worker 's compensation in time, thus going into collections and negatively affecting my credit. After contacting my employer 's HR department and Claims Adjusters in order to have the medical bills paid back in late-XXXX/early-XXXX, I just found XXXX days ago ( XXXX XXXX ) that my Equifax credit score dropped a whopping XXXX points due to the very same collections accounts that came back. I do n't know for sure if this is in regards to the data breach they 've recently succumbed to, but these accounts were billed to my employer and thus, should n't be on my credit report any longer, much less able to affect my score and come back to life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Colonial Mortgage Service Co. Of America
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to file a complaint regarding the harassment I am facing from one of the agents of Colonial Mortgage Service. I had contacted this company in XXXX and then in XX/XX/2021 in regard to refinancing my primary residence. Due to reasons beyond my control the refinancing was not approved by the XXXX XXXX. I contacted the same company few days back but when no one returned my inquiry I proceeded with another financial institution, with which I am currently working. The agent XXXX XXXX contacted me today and after learning that I had gone with another lender due to no response from his side he became very agitated and started yelling at me over the phone with the threatening tone followed by email to the same effect ( email copy attached ). Right after this I started receiving calls from a number of lending companies that I have never contacted for any kind of business - refinance or anything like that. I was told they were contacting me because they received my information for a need for loan. I have also received several emails of similar nature ( attached herewith ). I would like you to kindly investigate this company and the agent as they have access to all personal information for my family including drivers license, social security, banks that this agent seems to have shared without my permission. I am afraid that with this kind of access my finances, savings are not safe along with mine and my familys safety. This request is to review this complaint as an urgent matter given the gravity of this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: PLANET HOME LENDING, LLC
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: Information belongs to someone else

Complaint:
This company Planet Home Lending LLC has been misrepresenting themselves to be my creditor since XXXX, They never gave me a VA loan for XXXX.I don't know who they are, or where they got a promissory note from alleging to be my signature. This is the result of Identity theft of a Security Instrument. Forensic Expert report will reveal forgery of both Note and Mortgage. They foreclosed on my house in a final judgement XX/XX/XXXX, but yet updated to Equifax on XX/XX/XXXX that I never missed a payment for the same year XXXX and reported 10 months of payment for XXXX and 12 months of payments made on time in XXXX and 9 payments made in XXXX. Since I made all of these payments then why did you foreclose and leave me and my family homeless? Since the files are too large to upload send me an email address to request the forensic reports for the mortgage and note.

Company response to consumer: Closed with explanation