BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: AZ
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:
Called into Equifax about statement on my report and that they need to be removed and they took my information told me 1-2 business days and are refusing to fix this information of deleting the statements per my request. I am the one who put the statements there I asked for them to be deleted. Tried to follow up and get the complete run around from all agents. They are not updating my information currently either. they have sent me disputes from over a year ago but not resolving the current issue. Every agent is refusing to do what needs to be done. I have negatives and every account has been paid on time which is them not updating my account correctly either. I am needing help to get this done as they are refusing to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC began servicing my mortgage as of XX/XX/2018. I received a letter via USPS dated XX/XX/XXXX containing a XXXX form with information fields populated containing personally identifiable information including my name, address, SS # and mortgage loan account number. Loancare wanted this form signed then mailed back via USPS. All this information can be used to access the account via telephone. This is likely a violation of numerous regulations including the Gramm-Leach-Bliley Act among others. I called Loancare to express my concern over their disregard of customer data protection and requested to speak with several executive managers by name over the compliance and data security practice areas. Loancare would not connect the call and instead gave misleading information about sending such data via US mail with no regard for protection.

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 2021-02-08
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying loan payments for years and today looked at how much I still owe. I also looked at how my payment were being applied to the loan. Most of my payment was going to interest. In two years I have reduced what I owe on the principle {$2000.00}. The cost of the car was {$12000.00} and still owe {$9900.00} after 2 years of Payments of {$330.00} a month ( {$8000.00} ). There is definitely something wrong in this equation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: MT
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 refuses to remove a " settled in full '' account from XXXX XXXX XXXX. I have the supporting document showing it paid in full. 
Experian no matter how many different disputes leaves the account on with false misleading hurtful infirmation that is preventing my family from getting the help we need. 
XXXX  and XXXX  are on my side and removed XXXX XXXX because it is paid in full ... ... .. 
XXXX XXXX, XXXX Reference # XXXX completed by XXXX XXXX . Phone.XXXX Experian never even bothered to talk to the settlement agency to verify any of it. Experian has been highly negligent in the entirety of this matter. 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 non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: NC
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:
Submit various disputes thru their system, the amount remain the same, even some have more than one status displayed. Ask various representative to explained why they said I have delinquent account when accounts are either closed of in good standing. 

Experian is punishing americans based on the history of the account no in the current status of the account, the credit score should be based and always been on how the account is standing at the day of the report been requested, Experian is dropping on average 100 points is in your history you had an account on a past due even if the account is in good standing, that drop will remain in the score for the next seven years making lenders to be misinformed as they were looking on the numbers, they dont believe that the account are in good standing when a customer will report to them rising interest or not approving credit, or make you look for a cosigner, even having the other 2 showing the account in good standing. 

My claim here is to seek help as this practice should not continue, history of the account shall remain, but credit bureaus shall show how the credit score is at the day, if at the time the credit was pulled and the account is in fact late or the new information hasnt received yet, good, but is the account is in good standing payment are update or account is closed even after been late for whatever agreement was done with the lender and client, credit bureau like Experian should take punishment in their hands. 

Make them fix the calculation to what is today, lenders will review history and add accordingly, but bureaus shouldnt drop point drastically based on the history instead of the current status. 

I have as per them 5 account in deficient, 4 of them has been closed for almost a year and 1 is in good standing and a wrong interpreted by the lender as this one is an education institution as a I am not out of school they shouldnt start charging me the deb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was informed by my Home Owners insurance broker that my Home Owners insurance had lapsed. The insurance is paid via an escrow account and was up for renewal XX/XX/XXXX. The insurance company tried billing our preiovus lender which was XXXX XXXX. However, last spring we refinanced our home to HomeBridge. Apparently HomeBridge never notified our Home Owners insurance that they were the new lender. So when my insurance company was told by XXXX XXXX that they are no longer our Mortgage company , the insurance company didn't know what to do so they canceled the policy. My broker then had to get me a new policy which was an increase of {$200.00} per year on the premium. I went to HomeBridge with this information and asked them why they never contacted the insurance company. Their response is that it isn't their responsibility to do that. Clearly this is a BIG problem. I need help in understanding who's fault this is so that going forward this doesn't happen again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have Opened citi checking account on XX/XX/2018 with a deposit of {$15000.00}. 
And I have kept the funds for more than 60 days and its been more than 90 days since i opened account and did not get the promotional bonus they promised

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 2017-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dear Protection Bureau, On XX/XX/2020, I refinanced a student loan from AES ( acct. no. XXXX XXXX XXXX ) to XXXX XXXX  ( acct. no. XXXX ). XXXX XXXX  sent {$39000.00} to AES to pay off my loan with AES. The payment exceeded the actual payoff amount of {$39000.00}. I called AES for a refund of the excess {$460.00}. I was told they could only send the difference directly to XXXX XXXX. Over the next eight weeks, I made five phone calls to each institution. Neither could confirm sending nor receipt of payment. On the week of XX/XX/2020, I joined two supervisors on a conference call, XXXX from XXXX and XXXX from AES. XXXX explained that a check was mailed, not received, then cancelled, and that an ACH was sent electronically which XXXX stated was not received. XXXX said another check would be issued. On XX/XX/2020, XXXX stated the check was received. The credit of {$460.00} was credited to my account. On XX/XX/2020 I received a letter from XXXX XXXX  stating that the {$460.00} credit was reversed due to insufficient funds from AES. I no longer have the patience to go back and forth after four months. 
Please help! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: States Recovery Systems, Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The STATES RECOVERY SYSTEM reported a debt collection on my credit report, while I have not owed any debt to the STATES RECOVERY SYSTEM. I have contacted the STATES RECOVERY SYSTEM and disputed this issue several times through XXXX this year, but the STATES RECOVERY SYSTEM never removed this debt collection from my credit report. 

At this point, I have to contact the CFPB and I really appreciate that the CFPB would help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Innovis
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account on XX/XX/XXXX based on a promotion that said I would get 2 % of my direct deposits in cash up to {$60.00} per month and {$720.00} total. I set-up direct deposits and deposited {$2500.00} 2 x per month into my new account. I have been doing this from Mid XXXX through to today. On XX/XX/XXXX, I went to their online chat to understand the timing of my rewards. I was told that I had not signed up for the {$720.00} reward ( even though I used the post card that offered that reward to sign up ) but I had in fact signed up for the {$470.00} reward which pays the {$470.00} at one time if direct deposits continue for 3 months. I continued to meet the criteria of making the direct deposits which on XX/XX/XXXX HSBC confirmed " I do see that you have met the requirements for this Bonus. However the funds have not been deposited yet, so I will raise a case with the Bonus support to check with them what is the issue and delay. '' Then it took until today XX/XX/XXXX for them to respond to that inquiry filed on XX/XX/XXXX at which point they claimed that " The account was not opened using the campaign page and hence it isn't eligible for the welcome deposit. '' even though it was both confirmed on XX/XX/XXXX that I had and on XX/XX/XXXX that I met the criteria. I would like the {$470.00} welcome bonus which I was told several times I was entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NJ
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:
on XX/XX/2020 I filed a police report because I noticed multiple inquires on my credit report due to fraud after numerous calls & complaints my problem of this inaccurate information is still showing on my credit report because the XXXX at Equifax refused to delete & remove them off of my report they keep stating that they removed the items but when I recheck my credit report the inaccurate items or still there my next step will be to take legal action against them for violating my consumer rights & defamation of character from the time period back on XX/XX/2020 I also followed up on XX/XX/2020 with a FTC report regarding the same fraudulent inquires after there reinvestigation they again told me that the inquires were removed & after rechecking my credit report the got XXXX inquires are still there they didn't remove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 purchase tickets to go to a trip on XX/XX/2020 of XXXX and was schedule to leave on XX/XX/2020 .The goverment shut down travels to go to the destination due to corona virus. I went through a company called XXXX  to try to cancel and was giving the complete run around the lady on the phone at the company of XXXX  XXXX at the time would not listen she sent me to a chat and told me she can not do cancel she only does booking. I went to the chat and there was no corresponse back i called back several days trying to cancel and went to manage my booking to cancel i did not get no email no phone calls.I put in a claim with my credit card company i sent proof i brought from XXXX  and sent the invoice to them. I explain in a letter the complications with the company and that they was not responding in regarding my cancelation situation after informing them and disputing.Capital one sent me a can not assit letter and told me i have to reach out to the company in which i had already informed them there is no way to contact them and they are not able to contact with this problem and i am being liable for {$960.00} In which i feel is not fair at all. I did want to go on this trip and i couldnt due to the pandemic and now its like because of this i have to pay they are saying i did not show proof of cancelation. How when the company did not sent me a cancel and was giving me the run around in order to obtain it.I am distraught with this and make things worst my hours was cut on my job i have finnacial difficulties already and now Capital one is not being understanding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on the morning of XX/XX/2018 I notified BANK OF AMERICA that a substantial amount of money was missing from my checking account, different amount were taken on different time and day, total of money taken ( $ XXXX ) i visited my local account in XXXX, NJ, spoke to XXXX   and XXXX. the initiated the claim, # XXXX phone calls where we had little results, continued filling additional forms, on XX/XX/2018 found were available. but A month later again BANK OF AMERICA put a hold on the money again. their explanation was that they change there mind and where taking the money back. 

last action i did, was a police report has been filed and sent to XXXX at bank of america,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent three separate debt validation request via certified mail to Wakefield & Associates regarding an alleged debt that they are reporting on my credit file. They have yet to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: LEXISNEXIS
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:
I have dispute this item serval times I never file bankruptcy lexis nexis said the remove from my report XXXX  and XXXX XXXX are still report error on my credit report

Company response to consumer: Closed with explanation