BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
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:
Experian did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

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 2019-02-25
Company: Navient Solutions, LLC.
State: TX
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 consolidate my loans in the amount of {$42000.00} principal and {$4700.00} interest equaling {$47000.00}. However Navient says I owe {$51000.00}. I am not sure how it got to that much. Also my monthly payments only go to the interest at this rate I will never be able to pay them off. I have sent a email asking about my payments and balance consolidated. I got an generic email back that did not answer my questions. I have tried to call several times and remain on hold forever and never getting someone on the phone. I would like to know where the extra {$4000.00} came from and how come none of my monthly payments go toward my principal and I am getting no answers from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my credit report. 

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 checked 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2020-11-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This dispute is with Citi who represents Home Depot. I initially had 5 promotional balances for which there were expiration dates before I would be charged interest. I paid off 3 of them in full before the expiration dates in order not to accrue interest. At the moment I have 2 promotional balances left, one expires XX/XX/XXXX and the other XX/XX/XXXX totaling {$2900.00}. 07 but the statement balance is showing {$4100.00}. 

I have been in contact with Citi since XX/XX/XXXX and they have yet to give me a reason for the additional amount of {$1200.00} interest. This is very frustrating and you are my hope that this is resolved soon. I would appreciate you looking into the matter for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never 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 2021-08-10
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Union Home Mortgage has not obeyed Cares Act agreement, my forbearance went into effect XX/XX/XXXX I was in current status. I have continued to stay in contact and ask numerous questions regarding my Mortage. I received a packet in XX/XX/XXXX and dropped it in a XXXX return center, I was told by Union home Mortage that they didn't receive it in XXXX and they would send new documents out, and to not worry about anything because I was under forbearance until the end of XX/XX/XXXX. When I didn't receive new documents I became worried and contacted them again and they said they would leave a message for the person I had spoke to. When no one called in XXXX XXXX became more worried about losing home and my family member offered to buy my home. Union Home Mortage called late XX/XX/XXXX and asked if I was selling and I stated I have no choice you never sent me paperwork to sign after you stated you didn't get the first set. Fast forward to XX/XX/XXXX. Union Home Mortage is stating they are now charging me interest, late fees, inspection fees etc because they did not receive my paperwork to come off of forbearance. Although I have emails showing confirmation stating I was in forbearance. Closing is suppose to be coming to complete and I received closing statement, where Union Home Mortage is charging these fees while I was in a government forbearance program.

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 2022-12-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my Equifax Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report.

Your immediate attention to this matter is appreciated.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Dyck-O'Neal, 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:
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and XXXX  to investigate the Dyke O'Neal account, which is reporting inaccurately on my credit report because I have NEVER done any business with Dyke O'Neal & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to Dyke O ' Neal, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) Dyke O'Neal is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and XXXX  report, and if XXXX  and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 
Also, if you take a further look, Dyke O ' Neal is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that Dyke O ' Neal is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.

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 2020-07-04
Company: Experian Information Solutions Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent intoXX/XX/XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XX/XX/XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XX/XX/XXXX is the reason why this has happened!

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 2020-05-16
Company: EQUIFAX, 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:
I am currently repairing my credit and only wish to be treated fairly. Once I disputed the inaccurate information equafix took my score down 21 points the day after my disputes. They penalised me for disputing before the investigation was complete. They also had one of my accounts showing closed that is actually in good standing and yes I did contact the creditor to make sure it wasn't on their end. I'm currently working on getting a house for my family and things like this can only hold me back. I deserve all of my points and accurate account information to be stated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: IN
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2018-04-04
Company: Rent Recovery Solutions
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After I left my former rented apartment in XX/XX/XXXX the landlord charged me for damage that was pre-exicting as documented on the move in checklist and held my deposit. I disputed it with the landlord requesting my security deposit. 
In XX/XX/XXXX I found a collection agency reporting the debt. I sent them a letter that they received and signed by the collection agency in XX/XX/XXXX at XXXX XXXX  disputing all charges and they didn't respond to the letter and continuing to collect and reporting the collection to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Account information incorrect

Complaint:
Transunion is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Transunion has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I submitted disputes and Transunion stated the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. These inaccurate accounts are causing XXXX XXXX  to my life, because Transunion keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Transunion is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Transunion is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately

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 2018-04-04
Company: CITIBANK, N.A.
State: AZ
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 a My Best Buy Visa Credit Card through Citi who partnered with Best Buy for this promotional credit card offer. I had recently set up an automated payment for the minimum payment due, which on XX/XX/XXXX and and XX/XX/XXXX I was quoted as owing a minimum of {$110.00}. One feature to this credit card is the deferred interest that was unknowingly applied to my automated minimum payment amount due, so I was charged {$630.00}. I was not made aware of this amount due other than a statement notification quoting this amount, received onXX/XX/XXXX, however had received 2 notifications later that month, shortly before my bill due date, quoting the {$110.00}. This issue has caused me a lot of strain, overdrafting my account, delaying other separate payment obligations, and time out of my entire day to resolve this issue to no avail. I spoke to their associates of this discrepancy and they are unwilling to provide a refund of the excess amount. I feel like there is nothing else I can do. I feel bullied around by a financial company that seemingly can do whatever they want, up and change my payment, and don't even have to duly notify me. I please ask if you can in any way offer assistance and insight in this matter, as there is no agreement I can come to with my financial institution in this matter. I thank you so much for your time and understanding.

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 2018-04-04
Company: Premier Holdings
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Left message they were taking me to court in XXXX County. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was from 2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BMW Financial Services NA, LLC
State: WI
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:
Acc # XXXX. Turned this vehicle in XX/XX/20. XXXX XXXX in XXXX, AZ. Leased another XXXX  at that time through BMW Financial.Requested vehicle inspection when I picked up new vehicle and turned in old on XX/XX/20, was told they do not do that, vehicle will be inspected at later date. I said I do not want to be liable for charges that I can dispute in person, again told they do not do that. There was no correspondence between XX/XX/20 and a letter I received on XX/XX/20 demanding payment of XXXX or will go to collection. I did not see this online until last payment made on XX/XX/20 on my new vehicle, just magically appeared. What was happening between XX/XX/20 and XX/XX/20 that I was not notified and now threatening collection. Isn't there a time limit for providing bill.

Company response to consumer: Closed with explanation