BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
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:
It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP

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 2018-03-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XXXX and XX/XX/XXXX my credit card number was used by someone other than me at Experian XXXX. In earlyXX/XX/XXXXmy credit card was also used by someone else than me at XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use autopay to pay credit card bills. I had selected the option of paying full balance after noting that previously only minimum amount was selected to be paid. 

Despite that however, on XXXX XXXX, only minimum amount due was paid to my credit card. Both credit card and my bank account are with Bank of America. Later, an interest was charged to my account. 

I called them and explained that I had selected that full amount be charged from my account. They verified that that was the case. However, they said that such changes can take up to one month to take into effect. 

I countered that regardless, my intent has been and still is to pay in full balance. And so interest charged should be removed. I do not recall being informed that the changes take one month to take effect. 

Neither banking department or credit card department can resolve the issue and would refer me to the other department

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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:
The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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,

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 2020-04-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a first time home purchaser in XX/XX/2004, with a XXXX FICO score, with healthy reserves, and I purchased a house in XXXX GA. 

I have have a myriad of problems at this time possibly due to predatory lending and as I look deeper, I am finding a host of inconsistencies and issues unbeknownst to me, which had led me to call my mortgage servicer, JP Morgan Chase. Unfortunately, due to this Covid 19 pandemic, the wait time is approximately 3.5 hours and I have waited 2 cycles, unsucessfully. I attempted today to call, however to no avail. So much Idle time has gone by and I am feeling a bit frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Waypoint Resource Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out by mail and they passed the 30 deadline to reply and they didn't provide any proof of the debt per my first letter. I emailed them and heard nothing back. So I'm reaching out to you to see what can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I try to pay at their website, it simply never gets applied. They do not mail me any payment coupons so I don't know anything about the payment, or have any ability to pay accurately. All they do is keep leaving truncated voicemails and refuse to do anything unless I play their game on the telephone which takes much longer than necessary. Really, how do they have a payment website but can't or won't process the payment. I am so sick and tired of these fools and thier seemingly malicious abuse. Please take away their handling of any student loans. This mightmare with these XXXX has been going on for years now! 
My last payment I made was on XX/XX/18, and my payment confirmation # was XXXX. But still they are demanding payment as if it was never rec 'd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Mountain Land Collections, Inc.
State: UT
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:
XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. Company state they have now listed account as " disputed '' on credit reports. 

2. Company state and per their communications they sent notifications in XX/XX/XXXX and XX/XX/XXXX to address XXXX XXXX XXXX XXXX XXXX Alabama XXXX. My address in XXXX XXXX XXXX XXXX XXXX GA XXXX. 

3. Company was notified via certified mail twice XX/XX/XXXX & XX/XX/XXXX after reporting to XXXX  and XXXX  of wrong address and the communications were not received per FDCPA. 

4. Company agreed to remove information via XXXX  dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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 unable to determine what the charge is for. I need more information regarding the account but Equifax and XXXX did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Mercedes Benz Financial Services
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Mercedes Benz account number is XXXX. I called Mercedes Benz and advised them that I was not working due to COVID19 and agreed to defer 3 payments under the circumstances. My account is allegedly deferred but they are still reporting late payments to my credit bureau for the months of XX/XX/XXXX 30 days, and XX/XX/XXXX 60 6days with a past due amount of {$2600.00}. I received a call on XX/XX/2020 from MBFS saying they were calling to help me with my account due to COVID19. I was confused because I had already contacted them last month for assistance, so that was a red flag for me especially with the erroneous credit reporting that is not even suppose to be happing under the current CARE ACT. The rep. XXXX advised me she would be calling me back regarding my account. 

Heard back from XXXX today and she basically said they were not going to be doing anything to fix my credit or report the correct information, and told me to disputed with the credit bureaus, and she was suppose to have called me back on XX/XX/2020. 

I advised her I would be making this complaint because my credit is being ruined and they are not following the present order in place to protect consumers. My account was positive and now they are reporting it negative after they LIED and told me the payments they were reporting are deferred payments. Does not make since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Old information reappears or never goes away

Complaint:
ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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:
I am so confused right now why Experian report the accounts as transferred accounts but its current, all payment history were all OK. CFPB, clear this all up and report them correctly. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Santander Consumer USA Holdings Inc.
State: WI
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 took out a loan with Santander to purchase a vehicle in 2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted Santander in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Trans Union is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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:
On XX/XX/19 I sent a letter to Experian requesting documents used to verify these 8 accounts on my report. I only seen one account mention in the dispute when I listed a total of 8 accounts and the account numbers as they appeared on my report. I never received any documents after 30 days, only a message stating that the account was updated, and verified on XX/XX/2019. I sent another letter following up after the 30 days on XX/XX/19 requesting again under the Fair Credit Reporting Act a copy of the documents used to verify the accounts. I again received a message stating that only one account was updated and as of today I have not received documents on any of the 8 accounts in question.

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 2018-02-02
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No documents no verification through the debt collection Company XXXX XXXX just saw this from a alert on my email that my account was in collection XXXX buy a company XXXX payday loan of {$840.00} never request or apply for a loan online I usually do it local. XXXX XXXX XXXX is in violation of only Fair Labor practice did not notify me just popped up on my credit report XXXX as a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached out at the beginning of XXXX to inquire about mortgage forbearance and found that Freedom Mortgage was giving out incorrect information in accordance with the CARES act. I submitted a complaint on here about this, and it was listed as resolved, however it was not resolved. Freedom Mortgage put me into a mortgage forbearance plan WITHOUT MY KNOWLEDGE OR CONSENT and placed my account under the loss mitigation department. As a result, I have been unable to make a payment on my mortgage for the entire month of XXXX and am now being reported as 30 days late. This is inaccurate however because I started a work order with XXXX from Freedom Mortgage ( ID # XXXX ) on XX/XX/2020 to release my account from forbearance so that I could make my payment. I was promised per that conversation that my account would be release from forbearance by XX/XX/2020 so that I could make my payment and not be marked as late. That date came and went, I called on XX/XX/2020 and spoke with XXXX ( ID # XXXX ). She informed me that she wasn't sure why it wasn't done yet, and to call back in a couple of days if it didn't get removed. I then called today, XX/XX/2020 and have yet to get an answer from anyone. My call gets " transferred '' to the loss mitigation department and no one ever picks up.

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 2018-11-09
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Fay Servicing has continued to ignore my written and verbal requests for my mother 's XXXX impound refund. This should have been returned when I brought her loan current when she passed away. I am the executor. The loan was brought current in XXXX I believe and was paid off XX/XX/2018. The title company gave them the forwarding address for the check and I personally called them. The person on the phone said he was sending it to XXXX XXXX. I explained that they had paperwork from a year ago that says my mother does not employ them. They assured me I would be sent the check. Its been over a month and I have called many times they said they sent the check to XXXX XXXX. XXXX XXXX who is a legal firm says they do not have it. Fay Servicing is once again withholding money which is due my mother 's estate. There is also a XXXX amount that was on the payoff statement that said refundable and they will not give me any explanation. This lender feels like they can ignore individuals and they answer you with some random untruth and its settled. I go to court with them in XXXX over the 26k, but want the impound account back of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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:
The number of times overdue which is actually published on my credit report appears inaccurate and or misleading.

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 2020-04-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have Checking and savings account with BBVA.

My salary comes into checking account.

BBVA seems to be in this world just to make money out of customers-they have ACH with {$3.00} per ACH. My XXXX XXXX and XXXX XXXX doesn't take any charges for ACH. 
Then i decided to use their free XXXX XXXX  service ... i could do two transactions ... BBVA has made them really difficult - putting limit on them ... 3rd one they blocked it. On XXXX and XXXX XX/XX/2020 - i tried calling them ... unnecessary transfers from here to there etc ... even after that more than 1 hour of wait ... .calls getting dropped ... they are stating that we are short of staff ... so why you are blocking the XXXX transactions and then asking the customers to call you back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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:
The number of times overdue which is being accounted on my credit report appear to be inaccurate and or deceptive.

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 2018-09-05
Company: Navient Solutions, LLC.
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:
The number of times missed which is actually documented on my credit report seems to be inaccurate and or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Skrill USA, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My skrill.com account was restricted on XX/XX/2020, for no apparent reason. Skrill requested I send proof of identification and proof of funds, which I did immediately. No response was received. I requested an update on XX/XX/2020 and as of XX/XX/2020, no response has been received. My account, with several thousands of dollars in it, is " restricted '' with no clear indication from this company of how to resolve the issue.

Company response to consumer: Closed with explanation