BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: National Auto Lenders, 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:
Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgages is unfairly rolling adjusted Escrow outstanding balances into your loans without giving Mortgage Owners an opportunity to pay off the outstanding balances. 
At the end of XX/XX/XXXX my mortgage payment was {$880.00}, My mortgage payment for XX/XX/XXXX was {$910.00}. When I contacted Carrington Mortgages, they informed me that my escrow account was delinquent by {$290.00}, They also advised that they sent out a notification, which I did not receive. I have loans with two other banking institutions and I received their XX/XX/XXXX escrow summary report. XXXX Mortgage contend that I did not receive the escrow summary because I opted for electronic notification and correspondence. Carrington did allow me to pay the escrow balance in full. If I did not contact the bank, the {$290.00} would have cost me {$390.00} for this year and {$3900.00} for the remaining life of my mortgage. I do not understand why banks are allowed to practice this type of fraudulent activities without getting into trouble. This is the second time that Carrington Mortgages has done this to me, Can they be investigated for this unfair practice,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have an overdraft line of credit with BMO Harris Bank. I recently applied for an increase to the line of credit. I was told they have a whole new process for there applications. I called in a few days after I submitted the application and spoke with a representative about the status. He indicated that the application was declined ( despite my strong credit profile, income, & assets that includes several credit lines for several years of a similar size ). When I asked what the reasons were, he indicated that I would receive a letter in the mail in 7-10 days explaining the decline reasons. I asked if there was a way to appeal as this was a judgmental lending decision ( meaning it was manually reviewed ) and that I have several pre-approved offers on there website for other lending products. He said no.

Today, I received the letter from BMO Harris Bank that simply states that my application was declined and that if I wanted a reason I would have to call in to customer service and request the reasons be provided. I already did this onXX/XX/XXXX and this is the letter that they sent which does not provide me any detail other then I have a good 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 2021-04-02
Company: EQUIFAX, 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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE any and all fruad alerts and freezes on my credit file

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 2020-10-19
Company: SIMM Associates, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
BILL ME LATER ACCOUNT XX/XX/XXXX ORIGINATION. THEY MERGED WITH XXXX WHO WAS MANAGED BY XXXX XXXX. 
DEBT WAS CHARGED OFF ON XX/XX/XXXX. 

SIMM ASSOCIATES INC XXXX XXXX XXXX XXXX DE XXXX XXXX. 
SIMM ACCOUNT XXXX. 

SIMM ASSOC SENDING ME LETTERS PER COLLECTION ON A DEBT PAST THE STATUTE OF LIMITATIONS KNOWINGLY AND WILLFULLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello Dear CFPB I am writing to bring to your attention and complaint about US BANK credit Card Application process. 

I applied to US Bank Signature Rewards Card on XX/XX/2019 and received letter after couple days date XX/XX/2019 which is informing me to call because they wanted to speak with me to verify application. They asked me to call within 10 business days. 

I called on XX/XX/2019 which is not 10 business days and spoke with Supervisor XXXX employee ID # XXXX XXXX and he informed me that my application was turned down because they could not call me and speak with me, but then again i have not receive any phone calls or voice mail and plus in the letter its asking me to call to verify within 10 business days which is condition to establish account for me. why would they send me letter to call them if they already turned down my application. I am extremely not satisfied with this process and with very rude Supervisor XXXX. I will attache this letter please review. I called within 10 business days which was condition to establish account for me it's just perfectly clear. .Please reopen this application and make fair decision also please train your supervisors to be able to read and understand what simple letter says. Very biased company in my opinion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: GA
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 am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am a service member that just received orders to deploy. I have a car lease with XXXX XXXX. I contacted XXXX XXXX XXXX to invoke my SCRA Benefits to terminate my lease early and followed their instructions to e-mail my XXXX   to their SCRA Department. I did as required. I have been contacting XXXX every day for 7 days and have re-sent my XXXX  multiple times and they still do not acknowledge them and tell me that their SCRA department does not have a phone number and there is nothing they can do for me. I leave on my XXXX this weekend and this is still not resolved. 

Please help me. I have no one who can take care of this for me while I am gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent payment but can not explain to me why : 1. The double payment happened in the first place ( I did not schedule it, nor does the bank account against which it was made show it ) 2. Why my account now shows in arrears if the first payment was successfully processed when that payment reflected a " paid in full '' amount of the previous statement balance. 

3. Whether or not my account is considered " in good standing '' after these errors on their system. 

4. What steps they will be taking to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
" End of Term Final Bill '', dated XX/XX/20, received on XX/XX/20 via USPS, charging {$270.00} for " Exterior Damage '' that did not include any substantiating documentation of any kind detailing the type of damage or necessary repairs. No repair statement was included, nor photos, nor mechanic 's documentation that would substantiate the charges. Document indicates that it is " page 1 of 1 '' so, no documentation was excluded in error. Call to " lease end team '' resulted in assurance that " I could have gotten this information if requested '' online, making it the consumer 's responsibility to get information that should be provided by the finance company to substantiate their invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house on XX/XX/2020. I attempted to stop the auto draft for the payment on XX/XX/XXXX, by notifying Dovenmuehle that they were not authorized to charge my account. They charged it anyway, despite the loan being paid in full during closing. They owe this payment back, totaling {$1900.00} After closing, they also owe my escrow refund in total of {$5700.00} The total amount owed to me is {$7600.00} I have made multiple calls to Dovenmuehle regarding these refunds and no progress has been made. I have still not received checks, over 30 days out of closing. Dovenmuehle claims the checks were made on XX/XX/2020, but here I am on XX/XX/2020 without any check. 

Every time I call, there is a new excuse as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2018-04-10
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WELLS FARGO & COMPANY
State: TX
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 am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about this item on my credit report - Wells Fargo Home Mortgage I wish to the original sources of the information reported including, but not limited to, the original contract with my signature.

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 2020-11-24
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/2020, I purchased a XXXX dishwasher and related services from Best Buy in the amount of {$1200.00} on a My Best Buy credit card issued through Citibank. The item had incorrect dimensions and was returned to Best Buy before I took delivery of the item. 

I have a paper receipt and an electronic receipt ( see attached ) confirming that the item was returned. I also had an individual from Best Buy wait on hold with me for more than 30 minutes to inform My Best Buy credit card issued through Citibank that the dishwasher had been returned and was in stock at the Best Buy on XX/XX/2020, which was ten days after the item was returned. This ten-day period initially exceeded the time I was told the issue would be resolved. I opened a dispute with Citi and they informed me that the disputed charge would be 'resolved as quickly as possible. ' I was informed that could take up to 48 hours, and then, 48 business hours, and six days later, 'more time than 48 hours ' ( I spoke with XXXX Team # XXXX at Citi XXXX. The item still appears on my bill and I would like a full credit for the item ( see attached ) which I do not own.

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 2020-06-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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