BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I was a cosigner on a new XXXX XXXX XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX  had the car and took longer to send in the payoff for the car than normal and Nissan reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted Nissan financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told Nissan doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX To whom it may concern : I would like to file a complaint against Equifax credit reporting agency. For years this credit reporting agency has intentionally continued to report inaccuracies to my credit file. 

Equifax has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my Equifax credit report. 
XXXX XXXX has claimed that Equifax has provided this information to them. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Equifax insists on maintaining onto my credit file. 

Equifax credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 
For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan. 

For many years now, Equifax has reported all sorts of fraudulent false status information regarding my XXXX XXXX. 

And for years whenever I have disputed the false, fraudulent information, between the Mortgage Company and Equifax, they have both done all sorts of deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Equifax is reporting is untrue false information ; I have had all sorts of issues with inaccuracies from them, as well as the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the entire balance on the account on XX/XX/XXXX. Even though the late charge was levied the day before, the credit card company is telling me that it is not included in the entire balance due. ( Huh? I call to pay the entire balance but there is a late fee that is there but it isn't? ) As a result I am thinking that the entire balance is paid and no purchases have been made on the account. So, I don't make a payment in XX/XX/XXXX. However, the charges then appear on the account. Now I have another late charge for XX/XX/XXXX. This credit card company is in the business of making money on late charges. It is trickery and unethical. I try to pay the entire balance but they wont even let me do that and then I get further penalty. Please help. See an excerpt below from my payment history on my account.

XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$25.00} XX/XX/XXXX FINANCE CHARGE {$2.00} XX/XX/XXXX PAYMENT-THANK YOU - {$140.00} XX/XX/XXXX LATE FEE {$32.00} XX/XX/XXXX FINANCE CHARGE {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious uncooperativeness. I'm including the items which still remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$330.00XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 2019-09-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I originally secured a line of credit via Synchrony Financial for XXXX XXXX XXXX. I paid the original purchase in full, on time, and early ( prior to the 12 months interest free period ). I made a second purchase on the same credit card, again paying it on time and in full. I maintained a XXXX balance and they even increased my credit limit from XXXX to XXXX. 
I was sent a letter on XX/XX/2019 stating that Synchrony had decided to close my account. They listed reasons for closing the account that were unrelated to my history with their company. Additionally, my credit score was higher at the time they closed my credit line than it was when they originally offered me credit. 
Not only do I fail to find justification in their decision, but their closing my credit line actually hurt my credit score by lowering it by several points. This causes me financial harm and impedes my ability to obtain other credit. 
I wanted to make a formal complaint because I feel that the decision was made in error and causes me undue prejudice and harm.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There's addresses and a Bankruptcy that needs to be removed from 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 2022-01-06
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00}XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$1200.00}

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 explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX XXXX charged me annual fees {$40.00} on credit card which I was not aware of. I requested them to refund {$40.00} fees as customer courtesy one time only but they are forcing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: OH
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:
My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the XXXX area. I tried to resolve this with XXXX and XXXX  with no resolution and for the first time I have to turn to CFPB for some help in getting this 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 non-monetary relief
Consumer complaint received 2019-11-06
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Citimortgage loan was paid off in full in 2018. Per CitiMortgage, they preferred to handle the Release of Lien filing and charging the filing fee to the customer, as they deemed the customer inept to do so properly. Thereafter, I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2018 stating that they had forwarded a Release of Lien to my county for filing. Waiting several weeks and not receiving my filed Release of Lien, I contacted my county clerk, who stated they did as they always do and returned the filed document to the sender. I obtained a copy thereof from them. 
I tried to contact CitiMortgage and XXXX for obtaining the original filed Release of Lien several times to no avail. 
My attorney asked that I first try again to obtain the original document before they continue their work on my estate. 
As prior, I will appreciate your assistance with my request in contacting the right person for handling.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
As of XX/XX/2019 my credit was dropped from both XXXX  and Transunion from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of 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 2016-09-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a complaint about XXXX XXXX that has not removed the negative debit report on XXXX. I submitted the complaint on your website and the OMB # is : OMB # XXXX at the time I did n't have the account number but found it and here it is : XXXX XXXX this should not be shown since I have discharged my Chapter XXXX bankruptcy on XX/XX/2015 and XXXX was one of my creditors.

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 2021-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I contact Trans Union on XX/XX/2020 to dispute an account which i don't recognized on my credit report, Trans Union told me they will do so, I got a letter on XX/XX/2020 file number : XXXX that this account is deleted, but when i checked with Trans Union on XX/XX/2020 the representative : ( Name : XXXX XXXX ) told me that she is not sure why its still reporting this account, because based on their information the results should be deleted, and she can't understand why its still reporting, and representative was also not sure which XXXX XXXX account i'm referring and first told me a different account was deleted, when i advised her that she is not referring to the right account she told me she is not sure what happened her.

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 2019-11-06
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: Investigation took more than 30 days

Complaint:
I need your assistance in helping me to remove incorrect information from my credit file. XXXX, Equifax, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; Equifax is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX and XXXX and XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; XXXX is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

Equifax is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

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 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I had a house fire which started in the basement as an electrical fire. During my refinance they failed to set up payment for my insurance, so the policy lapsed and was replaced by lender placed insurance. The lender is Bank of America, they sent me what their hazard insurance covered, for which my escrow was charged. This coverage included " fire and extended coverage '', it was " not to limit coverage in whole or in part for damage or loss '', and " claims are to be settled on a replacement cost basis ''. In other words, the insurance I paid for should have covered the repair on the house. 

The insurance policy holder is Bank of America, the insurance company is XXXX XXXX XXXX. They made it clear that my personal property was not covered, nor was my living expenses - I have continued to pay my mortgage while I was XXXX. I made it very clear that I was XXXX  during a pandemic and asked that the claims process was not delayed. The insurance company also told the clean-up company that their service was not covered, so I had to do that work myself. 

The claim process took 4 months. It took a full month for them to get an inspector out to the house, and they claimed that inspector never sent a report, so 6 weeks later they sent a second inspector. On XX/XX/2020 XXXX XXXX XXXX sent me a copy of their settlement, informing me that rewiring the house was not covered because bringing the home up to code was an upgrade. To be clear, there is no option to not bring the house up to code. So, on a claim that started as an electrical fire, with the main breaker board less than 10 feet from the fire, they made no payment for electrical work. 

My complaint is about Bank of America, not the insurance company they used. I paid for coverage which is outlined in their lender placed insurance requirements which should have covered the repair minus the deductible. As it stands, their settlement covers less than XXXX of the cost of the repair, and I've put in over 200 hours of my own time in the clean-up from the fire. Their slow response also left me homeless during a pandemic.

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