BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and -XX/XX/2020. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do 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 2020-11-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a purchase of a condo back on XX/XX/2020 with Wells Fargo, at which point my loan officer stated that I was pre-approved. After going under contract and submitting all my income and asset documentation in Wells Fargo advised that now all of a sudden their guidelines have changed and they needed more of a down payment I liquidated my stock assets to show them more funds available for me to put down and provided them with that information also. Then they sat on my loan for over 2 weeks with no updates or communication and advised me on the Day that I was supposed to close that now they are not going to be able to approve my loan. Causing me to loose XXXX in earnest money, along with the loss i took on the stock liquidation in order to show them the additional funds they requested, along with the lost appraisal fee of over XXXX. I called and made a phone complaint about this to Wells Fargo executive office, they stated my case would be assigned to someone and I would be receiving a phone call and No One ever called. I called again later after a week to check on the executive complaint status and I was passed off to a branch manager. I am now going to the CFPB so my complaint can be routed to the appropriate party.

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 2018-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX company, continues to report to the credit bureas although the account I had with them is over 10 years old. the Account is to old to be on my report and it should be removed. I have filed numerous complaints. and it still shows up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: IA
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 3 late payments that have shown up on my XXXX credit report for Citbank/CBNA. After many hours of attempting to contact Citibank ( roughly 6 hours over the course of 2 months on the phone ). No one can find my account-I am glad to pay if this is accurate, but no one at Citibank is able to find my account by SS #, name, DOB or  phone number. The only information contained in the credit report is the first 6 numbers of the account and that I am now past due {$120.00}. I have disputed this 2x with XXXX and both times have come back stating that this is a legitimate past due acct. The dates of the disputes are XX/XX/2020 and XX/XX/2020. Today XX/XX/2020 I was on the phone with Citicards for 2 hours and I was hung up on twice and transferred 4 times and still no one can find this account. This is just one example of the amount of time I have invested in trying to get 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 explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/2019, my family and I arrived at the XXXX XXXX XXXX   after having made a reservation for a one night stay on XX/XX/2019 through XXXX XXXX   using our Citi card for {$430.00}. We were told by the hotel manager that no reservation could be found and they told us to contact Citi to dispute the charge. We reported the dispute immediately on XX/XX/2019 and arranged for a stay at the XXXX XXXX   using other means. 

A few months later, we noticed the charge was reversed back to the card. Citi said they investigated and the provider provided false claims that they did make the reservation. I contacted the hotel manager and had her provide documentation that states that the XXXX XXXX is not a third party they do business with. I also found numerous complaints on XXXX   XXXX online for the same exact scam. 

Citi claimed to have made every effort to resolve this dispute with the merchant and/or their bank but had not been successful. They said the merchant is not willing to issue credit to our account and that they no longer have any additional recourse to pursue a credit for us through the dispute process. They advised us to seek other means to resolve this matter and that their investigation remains closed. 

I tried to contact the merchant. They will not answer the phone. Citi abandoned us. Citi did not do their due diligence in protecting the consumer when ample evidence was supplied.

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 2018-07-30
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX   XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX  ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX  did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm a retired Vet with XXXX issues, I had insurance during this time and this bill was paid by my insurance company. AR RESOURCES is XXXX the system and never even contacted me by phone, or letter, or let me know it was going to collections. I never received any collection letters or calls. No warning. How do I even know it's mine? I have been on XXXX for my issues, so clearly I don't have the money. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put this collection on my credit reports during a time when the governor requested a moratorium on such actions during this pandemic. They were so spiteful and greedy, they put it on my credit reports in the middle of a crisis, on XX/XX/20. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer + reporting to XXXX and other Federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Investigation took more than 30 days

Complaint:
I have submitted a dispute on three accounts in collection with Equifax in XX/XX/2020. I have not received a status update its noted pending. Most recently, I submitted another dispute to the companies for incorrect reporting, since I do not owe the amounts reported. Both XXXX   and XXXX  has removed these three collections off my credit report after I submitted the dispute XX/XX/2020. After speaking with a rep at Equifax they refuse to take immediate action by removing these accounts from my credit report but rather stated I should submit another dispute which I have done last week. However since I havent received a status update within the timeframe of my dispute ( 30 days ) these collections should be removed immediately from my credit report and Equifax refuse to do so which is impeding my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Harley Davidson Financial Services Inc
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harley Davidson credit Corp XXXX XXXX XXXX XXXX, XXXX Last XX/XX/2018 I had a motorcycle repossessed.voulentary. Harley Davidson financial Corp sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with Harley Davidson I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from XXXX XXXX XXXX XXXX a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX dollar for XXXX dollar that Harley Davidson claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury  would agree. With me, after seeing the breakdown of the bill, that I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/20 : I received a set of checks under my name and address from a " bank '' I never heard before. Initially I thought it was a mistake due to a previous request of set of checks from my financial institution. The checks are made by a third party which I contacted to let them know about that " mistake ''. 

XX/XX/20 : After 5 weeks I returned home and I found in my mail a statement from the same " bank '' I received the set of checks before. 
The statement has my name as the owner of that account. There were two deposits from XXXX for about {$5000.00}. 
I called that " bank '' Fraud line and spoke with somebody who told me the account was flagged for suspicious activity. Apparently the two deposits for {$5000.00} were for unemployment from a state I never lived there. This person gave me a long list of phone numbers to call. He also said was going to cancel the account and return the checks. 

XX/XX/20 XXXX : I call again the " bank '' Fraud line and spoke to a different person who advised me to go in person to the nearest " bank '' branch. 
A few minutes later, I called that branch and after providing my SS number, the person who helped me mentioned the DOB used to open an account under my name was wrong. 
He said that somebody from a security company that works with the " bank '' was going to contact me by phone or email. UNTIL TODAY IT NEVER HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
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 XXXX reported me 30 days late in error in XX/XX/XXXX on XXXX and Equifax. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX  account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested PMI be cancelled on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, I requested a statement showing what my previous PMI payment was prior to it being cancelled. I never received a response. I also called to obtain that information but the representative I spoke with could not tell me. After cancelling my PMI I expected my mortgage payment to be slightly reduced, but I have continued to pay the same amount ( XXXX ) for XXXX, XXXX, XXXX and XXXX. I have been unable to get answers from the Loan Servicer. None of my statements reflects the amount of PMI I was paying. I don't understand why no one can tell me how much I have been paying in PMI. I should be owed a refund of any PMI payments that I have made after PMI was cancelled. I filed a complaint with the XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, but have yet to receive a response even though the deadline was XX/XX/XXXX. After filing the complaint I interestingly enough did receive an escrow analysis document informing me that my payment would be increased beginning in XXXX. But that still does not account for the payments I have made this year that apparently included PMI even after it had been cancelled. My mortgage is currently serviced by Lakeview Loan Servicing.

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 2020-06-03
Company: Experian Information Solutions 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:
Since XXXX of 2019 I have been reaching out to the credit bureaus regarding accounts that have been added to my credit report as a result of fraud. I did not create or use these accounts and should not be responsible for paying them.

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 2023-01-26
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Purchased the car XX/XX/ and less than 30 days needed to go to shop for engine going out. They fix it and I had to pay a {$250.00} deductible. Then a few weeks later, the engine went out again and needed to go to shop. They replaced engine and it happened again and I told them to keep the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have the US Bank reliacard. It arrived XX/XX/XXXX and I registered my card by phone and set-up the online account the same day. I also set in place security questions for account recovery. However in the following days when I attempted to log in, the portal told me my login credentials were incorrect despite me entering the password and security questions to verify my identity. 

When I followed the steps to reset the password and regain access to my account, the temporary password that I entered got me locked out as a result of an apparent security measure and it directs me to " call the number on the back of your card '' when I attempt to call customer support to unlock the account, I'm told wait times are exceeding XXXX hour. 

I've called multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX waiting for between XXXX minutes to XXXX hours on each occasion and still have had no success in regaining access to my account. The automated reset links that have been unsuccessful have been the only contact between me and the company up to this point..

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 2021-01-25
Company: EQUIFAX, INC.
State: CA
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 paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan in full with Specialized Loan Servicing on XX/XX/2020 from an insurance check. My house burnt down in the LNU fire in XX/XX/2020 the insurance company sent the entire insurance policy to the lender to pay off the loan. The lender was to return the remaining amount over the loan pay off the lender has not returned the money the amount due is {$860000.00}. They keep saying they send and provide the check number but it has been 62 days and no check has arrived.

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