BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020 I received a settlement offer from XXXX XXXX/XXXX  for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of XXXX credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 XXXX reported the account as an open charge off with a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 have been with USAA ( United Services Automobile Association ) for years and after I filed a complaint with the Credit Bureaus about Equal Credit Opportunity Act ( ECOA ), algorithm issues with regard to my credit scores, Fair Credit Billing Act ( FCBA ) - a lot of my creditors started to change my terms and conditions. There have been an unexpected increase in interest rate, was charged too much interest with USAA surprisingly. I have $ XXXX minimum payments which is unreasonable and I requested for an installment loan to pay the debt of faster - get the credit card back on track and was denied - there is inflexibility. It is a USAA rewards XXXX XXXX so I am not sure if XXXX XXXX is influencing USAAs decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: FL
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 purchased a set of appliances with Home Depot in XX/XX/XXXXand have yet to received any indication as to when will my merchandise be delivered. I specifically asked a sales representative in store about the items purchased before purchasing if the items were in stock. I was told that if the items were available online that it is and should be delivered within a couple of weeks. I was going to place the order in-store however there was a few people ahead of me there fore I placed the order online instead on XX/XX/XXXX. Today, I still have yet to receive any correspondence from HD however, I have already received a bill due by XX/XX/XXXX for a payment of the purchased I haven't even heard from. Called HD and no time specific on when will the items be available. This totally breaks the special financing offer they claim to have if they are starting financing from the date of purchase and not from the date the item was delivered. What if upon delivery some of the items were damaged? Do I have to wait longer and keep paying?

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 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I tried to transfer money that I have had on XXXX for months because I'm in need of it. and when I tried to transfer it said that capital one has blocked me from receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX CFPB In XXXX of XXXX, I logged in to XXXX to request a credit report. I filled out the name, address, date of birth and social security number and then clicked on the Equifax icon to be sent to its website. To access the report, I had to provide personal information and answer questions based on the information in my credit report. ( See attachments A & B as downloaded from their website ). After clicking on continue, the message returned that Online delivery unavailable. I had been getting online delivery from XXXX but since then this same message would appear. In XXXX, I sent a letter to XXXX XXXX XXXX to request assistance. No response and no help. 
I called Equifax a number of times immediately to inquire the cause of the unavailability of the online request. They would offer the report but no assistance on why it is not available online. They sent the report ( See attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) You will note that no answer in the up front questions is contrary to the credit report. On XXXX XXXX, XXXX, I requested via the letter to Equifax Dispute Resolution department as suggested by the customer support group ( see attachment P ). There was no response but I found out in a call to XXXX XXXX XXXX XXXX on XXXX that a copy of the letter is in my file on their computer. 
Each time I call them, they offer me another copy of the credit report but refuse to connect me with someone that can fix the problem of online access. 
Attached is also a copy of a letter I sent in XXXX with no response from any one ( See attachment Q ). 
Thank you for any assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: CT
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 have a lease with XXXX XXXX XXXX ( Chase bank ) which is coming to an end in XXXX. I decided to purchase my car out of the lease, on XX/XX/XXXX Chase received the payoff ( {$24000.00} ) from my bank for which they sent me the buyout package offer for. The payment posted on the Chase account on XX/XX/XXXX. This is when all the problems began, I called them the following week around the XXXX and XXXX and they didnt realize the payoff was deposited in my account (??? ). I was told during that phone call that the Payoff was going to be transferred over and my account was going to be closed the following day or within a few days along with my title transfer/ bill of sale sent to me. That never happened. From there I continued to call every week to check what was going on, for which there response was that its noted on my account that they received the payoff and Im going to have to wait. The first date they gave me was around XX/XX/XXXX then XX/XX/XXXX, now they are saying XX/XX/XXXX. While all this is going on they are still asking for monthly lease payments that I do not owe them. They have tacked on late fees and have acknowledged that I do not owe them anything yet are still asking for payments. On their end Im over 15 days late for lease payments. I expressed to them that Im worried my account will be sent to collections and my credit will be affected. They responded by telling me that may happen but they will just back date the account. Clearly its not that easy once my credit is hit by this. This is completely unprofessional and illegal, I have done everything and paid everything that was owed but they have not held up their end of the contract. This can not continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
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: Information belongs to someone else

Complaint:
I found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BB&T CORPORATION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/2018. I applied for a loan modification so that my monthly mortgage payments is to be lowered to under {$500.00}. I have been asking for this ever since I became a separated divorced low income senior citizen and had my hourly wages reduced.

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 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I fell behind on my payments in XXXX through XXXX off and on. My loan was transferred from Bank of America to XXXX XXXX XXXX from XX/XX/XXXX for the next 12 months to avoid foreclosure. When I made all the 12 months of payments on time as required, Bank of America ( B of A ) retook my loan. About XXXX, or XX/XX/XXXX, I started getting charges on my account with no explanation. I have logged 10-12 hours of phone calls to B of A requesting explanations, but no one can provide an answer. One particular one is the inspection fees, for a period of 2 years at least, B of A claims that when one falls behind on their payments they send an inspector to check that the property is still occupied. I disputed that fact, because there's no public access to the property and the inspector if he or she actually showed up, they should have reported that information to the bank. I have enclosed a letter and notes as I was taking them down when talking to the various associates and followed their instruction on disputing the charges, but I keep going around in circles. Also on these statements are many petty amounts that no associate can explain. B of A doesn't provide an in person associate to help navigate the many questions a customer has and the call center associates are clueless. I have it a brick wall over and over.

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 2020-11-13
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Ditech ( account # XXXX ) until I sold the home in XX/XX/XXXX, at which point the loan was paid off on XX/XX/XXXX. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a {$1900.00} check for the overage amount of my homeowner 's insurance which was to be credited to me by Ditech ( XXXX has sent proof of the check that was sent to Ditech, which I have included as an attachment ). XXXX also has proof that the check was cashed on XX/XX/XXXX. 

Ditech has filed for bankruptcy and is no longer in service, and has no working phone number. I have tried since XXXX to get in contact with someone at Ditech. I previously filed a complaint with the CFPB and someone from Ditech responded that " it is likely that the check was forwarded to and cashed by [ Shellpoint Mortgage Servicing ] ''. This is 100 % not true ; I have contacted Shellpoint as well as their partner company NewRez, and they both have proof that Ditech never transferred my case over ( which makes sense, as I did not have a case/account/active loan with Ditech for them to transfer it over as part of their bankruptcy ). 

Someone at Ditech stole my homeowner 's insurance credit check of nearly {$2000.00}, and it has 7 months and still no one has attempted to send me my money. Even more infuriatingly, there is no way of getting in contact with anyone at the now defunct company, and they lied in their last CFPB complaint response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i have 4 unauthorized transactions on my business checking account which i did not authorized. i have contacted the bank and filed a claim but my claim was denied without any investigation or reason. i have never authorized those transactions. please help XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$860.00}. 

XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$220.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$75.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$490.00}

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 2018-06-14
Company: General Motors Financial Company, 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:
THIS COMPANY GM FINANCIAL TOOK ME TO COURT FOR {$7000.00} FOR SOME AUTO LOAN THEY ALLEGED THAT I OWED, I DENIED THIS CLAIMED WENT TO COURT TOLD THEM TO SHOW PROOF AND THE COURT DATE WAS RE SCHEDULED TO GO TO TRIAL WITH THEIR ALLEGED PROOF, THE COMPANY NEVER SHOWED UP THE DAY OF TRIAL WHEN BOTH PARTIES WERE CALLED UP TO THE STAND AND THE JUDGE SAID DISMISSED WITH PREJUDICE. I WENT BACK TO THE COURT HOUSE TO GET A COURT CERTIFIED COPY OF PROOF OF THE JUDGEMENT, SENT THAT COPY TO ALL 3 CREDIT BUREAUS WITH REPORT NUMBERS, IT WAS DELETED  FROMXX/XX/XXXX, XXXX XXXX BUT STILL REMAINS ONXX/XX/XXXX, THEY HAVE TO REMOVE IT PLUS THE COMPANY GOT A COPY OF THE SAME JUDGEMENT, WHEN I CONTACTEDXX/XX/XXXXTHEY TOLD ME THEY ONLY REPORT WHAT THE COMPANY REPORTS BACK TO THEM, SO BASICALLY XX/XX/XXXXIS KEEPING THIS ACTIVE ON MY XX/XX/XXXX CREDIT REPORT BUT DELETED IT EVERY WHERE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company.XX/XX/XXXX has single handily kept me from getting into a new home! Please help

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 2018-02-16
Company: EQUIFAX, 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:
In the past two years XXXX  XXXX XXXX  is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, Equifax and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
ONE MAIN FINANCIAL has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. ONE MAIN FINANCIAL has single handily kept me from getting into a new home! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
AMEX does not adhere to requirements of UIGEA. Their card product is available on online betting sites and they allow foreign transactions charges to go through with no validation. AMEX 's lack of controls around UIGEA allowed my spouse to run up several thousand dollars on their card in online gambling losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Guild Mortgage Company LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX  XXXX  claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. I filed a XXXX   complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Information belongs to someone else

Complaint:
After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} 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