BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Company: EQUIFAX, INC.
State: CT
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 company is not having the proper investigation as by law they should. they have not provided me any proof of the investigation they said they made regarding to inaccurate information been report in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: FIRST CITIZENS BANCSHARES, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a free checking bundle account back in XXXX under a new account promotion of {$300.00} after making 10 debit card transactions within 90 days, opening a eSavings account, and enrolling in eStatements. 

Completed all requirements in XX/XX/2020 and have not received the {$300.00} new account promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01
Company: Lennar Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lennar Homes and Eagle Home Mortgage are committing RESPA violations by offering clients significant closing cost credits if they select to use Eagle Home Mortgage for the purchase of a property. This is a clear example of disparate treatment because they would dissuade clients from selecting their own service provider for their lending needs and instead create a kickback for Eagle Home Mortgage. This needs to be addressed because it limits a borrowers ability to choose a lender they are more comfortable with and are instead incentivized to use Lennars preferred lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: GA
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 have made several attempts to rectify this matter with Experian and XXXX. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : 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 non-monetary relief
Consumer complaint received 2019-02-22
Company: American Credit Resolution, Incorporated
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been texted repeatedly about a debt that is being collected by ACR. I have texted back to them to let them know to NOT contact me other than through US Mail, and to send me something so that I may either validate or invalidate the debt. They have repeatedly refused/ignored my requests. I have also warned them that I would file a complaint, but that seemed to to nothing. I am currently at work and can not attach screenshots of the communictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a balance within my Apple Wallet ( Apple XXXX Balance ) but am unsure of how to use this to pay my Apple Card balance down or use online at websites like XXXX, XXXX XXXX XXXX XXXX has made it very hard to apply Apple XXXX balance towards Apple Cash Card, or GS Apple Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
Due to me losing my job in XXXX, my vehicle was repossessed by NMAC. My personal belongings were kept & even though, I tried to get my personal belongings back I was unsuccessful. To my understanding the vehicle was sold & then I started getting letters from XXXX XXXX XXXX Offering me a settlement. I agreed & paid the settlement in XX/XX/XXXX under the terms that NMAC would delete the negative remark from my record ( verbal agreement ). Upon checking my credit report NMAC has not deleted the item from my credit reports. 
NMAC only updated my credit reports to settled for a lesser amount. I have been disputing with the bureaus & NMAC to delete the information from my credit report. Now every time I do a dispute NMAC add remarks to my credit report ( so in other words NMAC goes in & out of my credit report adding remarks ). Can they do that? Now the vehicle was repossessed around XX/XX/XXXX & when I look at my credit report its still being reported as L ( which stands for charge off ) for the years of XXXX, XXXX & XXXX. I thought that after it was charged off in XXXX NMAC were supposed to stop reporting. Why is NMAC still reporting years later?? 

I wrote NMAC in XXXX & XXXX & my cries to get NMAC deleted from my credit report has fallen on deaf ears. I called NMAC & complained & was asked did you get it in writing that NMAC would delete the negative remark from the credit bureaus, I said no, I didn't know I needed to get it in writing. I was appalled, because the customer service representative said we can't delete anything. Irregardless of what NMAC is saying & doing they reneged on our verbal agreement & kept my personal belongings that were in my vehicle. I specifically requested that NMAC be deleted from all 3 credit bureaus so that nothing negative would be reported on my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: NM
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 was looking at the credit agency report for Experian in XXXX of 2020 and accidentally hit the button to stop receiving and reporting the information on all of my credit. I immediately wrote a letter to Experian requesting they continue the reporting of the credit for me and what had happened. I didnot receive a response. 
I then looked for my credit report today XXXX/XXXX/2020, the Experian report stopped in XXXX of 2020.WHY???? 
PLEASE HELP ME RECTIFY 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 2019-11-04
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: Personal information incorrect

Complaint:
EXPERIAN, XXXX, XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXX -- ->Collection opened -- ->XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- >Collection opened -- >XXXX XXXX XXXX XXXX XXXXXXXXX -- -- ->Collection opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -Date Opened -- -- ->XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXXXXXXXXXXX -- -- >Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- ->Date Open -- -- >XXXX XXXX XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : SXXXX 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 2018-03-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I paid a bill to XXXX XXXX in XX/XX/XXXX which was paid out on XX/XX/XXXX recieved by XXXX XXXX   on XX/XX/XXXX by electronic funds transfer but not credited to the account we have with them until the XX/XX/XXXX one day after the due date on the XX/XX/XXXX. this caused them to charge me a {$27.00} dollar late fee. Furthermore there was not a notification of the late fee until after I made the XX/XX/XXXX payment, once again on time but considered late because it did not include the {$27.00} late fee charged in XX/XX/XXXX. This caused them to charge an additional {$38.00} late fee for the XX/XX/XXXX payment. This sounds like compounded interest to me on an interest free loan by the mattress company XXXX XXXX. One must watch XXXX XXXX closely for this fraudulent type of activity.

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
Consumer complaint received 2019-02-22
Company: First Data Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, I recently became employed with my company and received the XXXX XXXX XXXX prepaid card in XX/XX/2018. Second time of get paid on XX/XX/2018 XXXX was taken out of my account by an unknown merchant. In XX/XX/XXXX I had noticed the charges now and it has been now {$510.00} or more. When contacting money net work I have followed everything that have asked me to initiate a proper dispute and still no resolution. Nor an explanation of why I can not get my credit that I earned.

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 2020-07-07
Company: MoneyLion 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: Account status incorrect

Complaint:
I have asked money lion several times to fix my credit report when they said I was late and it was beyond my control as they blocked my ability to pay the bill. Now co vid hit and I need my credit more then ever. They refuse to fix this. I Want the cfpb to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Back in XXXX, i called and spoke with XXXX XXXX about getting an deferment due to the covid19. He told me that he was able to do the deferment and it should have been for 90 days. So on XX/XX/XXXX I get a notification on my from the credit agency that I have a 60 day late on my account. So I called and spoke with a nice lady from Lending point and she said it had to be looked at by an supervisor. So today I received an call from XXXX XXXX and he stated to me that they could not call me to advice that the payment was past due, because i placed a do not call on my account back in XXXX. As I explained to Mr XXXX, even if I did when I spoke with XXXX, I told them to call me. So what he's saying is an excuse. I told him I thought I had an 90 day extension and now he telling me it was deferred for only 30 days. He didn't do anything to try to help, but tell me good luck wit filing a claim. This company is horrible, we are going through such a tough time in this country for companies employees to act the way he did. I have requested for the 60 day to be removed from my credit. Also wanted them to work with me to pay the past due balance. We just started to get unemployment last week, so we will try to get caught up. I'm filing this complaint because, people should not be treated or affected like this during an pandemic. Also they need to be looked into, because i filed an complaint with the XXXX  last year because they were taking money out of my account without my permission. This company has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The issue I am having is with capital one credit card company not applying my payment {$2100.00} when using my banks online payment method. The most recent issue was I mailed my full payment to capital one on XX/XX/2023 and they claim they did not receive it before the payment due date " XX/XX/2023 '' thereby applying a late charge and penalty interest to my account. After learning of the " missed '' payment I made an inquiry at my bank and learned that the payment had cleared, and they already had a copy of the canceled check. When I called capital one on XX/XX/2023 in regard to my account, they had no record of my payment, when informed them that I had a copy of the cleared check capital one agreed to start an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was admitted to XXXX XXXX XXXX XXXX in XXXX MO on XXXX. 
I was billed both by XXXX XXXX in XXXX MO for their services, and by " XXXX XXXX XXXX of XXXX XXXX ''. While XXXX XXXX in XXXX MO sent me bills to my address and I paid as agreed, I did not receive any bills from " XXXX XXXX XXXX of XXXX XXXX '' because they were sending me bills to a wrong address which I have nothing to do with ( I was in XXXX  XXXX  and was released from XXXX XXXX and gave XXXX  all info they asked me for ). I was not aware of their bills, and I was not informed by XXXX XXXX of any money that I owe to " XXXX XXXX XXXX of XXXX XXXX ''. 
On XXXX " Wakefield and Associates '', XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX reported me to XXXX  XXXX XXXX XXXX for late payments with remarks " Remarks : >PLACED FOR COLLECTION< '' " Original Creditor : XXXX XXXX XXXX '' I did not receive any communication neither from " Wakefield and Associates '', nor from " XXXX XXXX XXXX of XXXX XXXX '' about any money owed to wither of them, and they reported me to a collection agency for non-payment. How was I supposed to pay any money they claim if they don't send me a bill? And then they report me for non-payment. 
This act of reporting me to a credit reporting agency XXXX  hurts me as a customer, and is not based on legitimate billing process. 
Here I request from Consumer Financial Protection Bureau 1. To investigate this case, financially punish the above mentioned actors " Wakefield and Associates '' and " XXXX XXXX XXXX of XXXX XXXX '' for financially harming and punishing an US citizen for things that US Citizen did not have any fault, where there was no due process of billing and informing of charges, so that they do NOT do this dirty strategy in the future and hurt other US Citizens 2. I request that the financially hurting statement of not paying my bill on time is removed from my credit report due to the fact that they did not inform me about any money owed before or on the date they reported me to XXXX  XXXX XXXX XXXX. 

Additional information : I received a few phone calls from " Wakefield and Associates '', I asked them to send me the bill so that I can review their claim and pay if I find that it is legitimate bill for legitimate service. 
Finally on XXXX they sent me the first bill to my real address. After I reviewed it I paid the bill in full. But the fact is that " Wakefield and Associated '' reported me three months before they ever sent me any bill to my address, and this CONSUMER ABUSE should not be allowed in a civilized state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had to change from income based to a graduated plan. I did it through XXXX XXXX and was told by them I was on forbearance til XX/XX/XXXX and my payments would start at XXXX and eventually go up every two years. While looking at my account on navient it now states that I must pay XXXX a month. When I called them they said they had no record of me being in forbearance and refused to tell my why I now owe XXXX a month instead of XXXX. It 's not that big of a deal but I love paycheck to paycheck and I think that the absolute disreguard they show is ridiculous. No wonder people go into default. If you can, DO NOT use them as your providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed a collection with Portfolio RC on my credit report. The collection is showing a balance of {$4300.00} reporting to XXXX and XXXX. XXXX is reporting the date opened on XX/XX/18. XXXX  is reporting the date opened on XX/XX/18. Both bureaus are showing different account numbers and date last active. This collection is having a negative affect on my credit score and I do not recognize it. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card account with Citibank, with last four digits XXXX. 
I have called them many times to dispute a charge of {$620.00} from XXXX made on XX/XX/2019. 
However, citibank reps over the phone refuse to accept or acknowledge my dispute in violation of Federal Fair Credit Act.

Citibank is racially discriminating against me as a person of 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 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed items be UPDATED immediately. 

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Company response to consumer: Closed with non-monetary relief