BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was offered a settlement amount by AMEX and paid it on XX/XX/2020. This was settled directly with them, not a collection outfit Rather than report it as settled, they restarted the clock and reported the case as a new charge off. I was very clear in asking about how this would be reported. Now they have alluded that I could pay the rest to report it as settled in full even though their letter states they would not try and collect the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applyed for PAYCHECK PROTECTION PROGRAM and Bank of America did not denied me or approved for loan till program is not closed and did not give me option to file any complaints or action to try fix my problem.

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 2019-01-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, XXXX, Equifax. I am in the process of buying a home and I need access to my files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Want to know why XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Oklahoma XXXX made 2 Hard Inquiries to Credit Bureaus on XX/XX/2020, and XX/XX/2020, for Employment when I have never applied for Employment with them? Also want to know why they were allowed to make 2 Hard Inquiries in a 1 week period of time making unnecessary Hard Inquiries to my Credit Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint addresses the Mr Cooper letter dated XX/XX/2020, in response to CFPB complaint no. XXXX, and the abusive misconduct of mortgage servicers, Seterus and Mr Cooper, toward homeowners including mismanagement of surplus escrow funds. See uploaded attachments for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: PA
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:
I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Lendmark Financial Services
State: VA
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:
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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 identity got stolen a while back, they've been getting jobs using my name and opening up bank accounts. Victoria secrets for XXXXon XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a formal dispute letter to Experian on XX/XX/2020. I have gotten NO response back from Experian regarding these disputes, NONE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Respected Sir/Madam, I am facing problems with my lending company, i.e Hyundai Motor Finance, who is not treating me fairly.

In a nutshell, I paid a tax of {$350.00} ( within 30 days of receiving the bill ), where my liability was just {$59.00}.

The lending company is not issuing me any refund for taxes, and they are not correcting my credit report which has a negative remark of account due for 120+ days. 

In XX/XX/XXXX, The lending company received property tax bill of {$350.00} from my county ( XXXX, CT ) from XX/XX/XXXX - XX/XX/XXXX. 
I had already returned my vehicle on XXXX XXXX, therefore the assessment needed a correction. When I contacted the tax assessor of my town, officer mentioned that my liability would only be {$59.00}, but the leasing company should contact the office and get it corrected, because their office bills the leasing company directly, in case of leased vehicles. 

Even though I made the complete payment of {$350.00} to my leasing company on XX/XX/XXXX, in approximately 30 days from receipt of tax bill, the leasing company reported a negative remark on my credit report stating that the account is due for more than 120 days. 

When I contacted Hyundai motor finance, on XX/XX/XXXX, they mentioned that they will correct my credit report by removing allegedly late payment but they never did. 
They also told me that they will request my town 's tax collector and initiate a tax abatement process, but they never did and I did not get any response to my 2 emails, trying to inquire about my tax abatement status.

Please help me in this matter, I am attaching my tax assessor email, that describes that my liability is only {$59.00}. I am also attaching the screenshot of the negative remark on my credit report, due to this tax bill. 

Account number with hyundayi motor finance : XXXX Thanks, 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 2020-08-19
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The business of XXXX XXXX ( XXXX ) closed, I believe on XXXX, before processing all the returns in their warehouse. On approx XXXX I received clothing which I tried-on. I kept 3 & returned 9. The returned totaled approx. {$300.00}. I placed my order before the final sale however the paperwork in this box said " final sale '' on every item. on XXXX I called/spoke to XXXX supervisor before returning items due to this issue. I was told XXXX would accept all back, as I ordered before final sale. He gave me a mailing label by email & a Code XXXX to write on Return Form for 4 items going in a separate box. The 5 remaining going back in original box " would go & clear as was, -no need for special handling. No charges for any of these would be on card. '' I mailed on XXXX & tracked these two boxes arriving on XXXX. I called XXXX numerous times. three times I received back order items so old I had not remembered ordering. I could not send them back ... Phone always ringing- no answer. The message was something like " Covid-19 was causing delays a & they were unable to accept calls at this time ''. Then it started saying something like " taking no calls '' Then " soon to close ''. My bill on XXXX said {$500.00} Typically I pay full balances but this situation I paid {$200.00} on XXXX. My balance on card now shows {$390.00}. On approx XXXX I spoke with legal council. Was told write letter to credit card & do not pay anymore until things are worked out. Letter was sent approx XXXX copies sent to legal council, Comenity Bank XXXX XXXX , & their Customer Service XXXX XXXX , XXXX XXXX XXXX XXXX pending Attn to information, and now you as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student loans occurred in XX/XX/1998. Once repayment was set up by Sallie Mae payments were made although sometimes sporatic, then year after year on renewal only forebearance was offered. Struggling to build a business in small town in XXXX was rather tedious. Payment books would come in one amount, then another book with different amount with no logical amounts and no options. Upon another renewal time, my Power of Attorney was contacted stating that an Income Driven Program ( IDP ) might help me and docs were sent to my POA via fax, completed, signed by me and returned via fax and mail. However after approval and payment of a lower amt was made, statements the following months were more money and again the following month higher payments. My POA has tried to resolve docs and payments, but nothing from Navient other than " must talk to you first ''. Past years the Servicer would send the docs to my POA 's office and by regular mail, but now Navient has refused to do so stating WE MUST TALK FIRST. My feeling is to go back to forebearance. They are also stating that my evidence of income was never sent which is false, and currently I am under a forebearance, but I have a statement/letter stating " I am currently on an IDP plan. Florida A.G. Atty Office was contacted to join in the lawsuits as other states have done but I think they have closed their file as no correspondence has been sent to me. Navient has not sent the A.G. docs as A.G. requested and I signed an authorization but Navient refused to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello : I am requesting assistance with three credit reporting agencies as well as XXXX XXXX Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

XXXX XXXX also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My XXXX card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from XXXX  XXXX, in which I was denied SCRA benefits on my XXXX  XXXX account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage is through Guaranteed Rate. InXX/XX/XXXX, I was contacted by one of their brokers and I told him I needed to get rid of my PMI. He told me the process was first to attempt to refinance. If that did not work then they would drop the PMI. Rate immediately requested a {$500.00} payment from me for the appraisal and I paid it. The appraisal was returned with {$160000.00} increase of value. After two months of back and forth with the broker, I was told that the refinance would not be processed. The broker abandoned me and told me that to drop the PMI, I needed to contact customer service. I contacted customer service in XXXX and they required a hard copy application that was mailed to me. I returned the application to Guaranteed Rate with a copy of the appraisal provided by Guaranteed Rate and dated XX/XX/2020. With no response from the Guaranteed Rate PMI department, I have been forced to contact customer service multiple times over the last 12 weeks and have no resolution. They will not allow me to talk to anyone in the PMI department and continue to tell me that I should have an answer in 2 weeks. This has been happening for months now with no resolution and I continue to pay Mortgage Insurance on a property with a 65 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Evergreen Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
enhanced recovery put this XXXX collection on my credit without notice which is a violation per the fair credit act. also it was disputed in XXXX of this year and removed becuase they had no proof it was mine and there was no validation of that. well on XX/XX/2021 i woke up to it back on my credit. i do not owe this debt period.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2019-01-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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/2018, I sent a letter to dispute the late payments shown on my credit report which they signed for on XX/XX/2018. I DID NOT receive a response within 30 days as required by law. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: MD
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-25
Company: Experian Information Solutions 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:
I have reached out to the bureau to inform them of several inquiries that do not belong to me. I asked for proof of documentation of my request and signature and have not received any response. These are the items listed on my report : XXXX XXXXXX/XX/XXXX XXXX,XX/XX/XXXX- XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan for a new mortgage, after I sold my existing home. The lender, " Loan Depot '', is  the same lender for both loans. 

I have had difficultly with the account manager XXXX XXXX at Loan Depot, who I believe at this time is negligent in the handling of the paperwork I continue to submit to her over and over again on a weekly basis. I ask for verification that she has received the paperwork I have submitted to her, but never hear from her until late Friday afternoon asking for the same paperwork I sent to her earlier in the week. 

Last Wednesday XX/XX/XXXX, I requested someone different to follow this process through to her and my loan officer. She said no, she would be the one to follow the loan. 

I also feel at this time, she is doing it out of harassment because I am so vocal about her incompetence regarding the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: SC
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my Chase checking account online around XX/XX/XXXX. I had a coupon code for a {$200.00} bonus if I had direct deposit made into the account by XX/XX/XXXX. 
It took a couple weeks for my employer to update my direct deposit information. So my first actual direct deposit into my new Chase account was made on XX/XX/XXXX. I receive direct deposit every Thursday now. I went into Chase on or around XX/XX/XXXX to speak to a banker and sign papers. I told her about my direct deposit and the coupon code and she verified and said yes you will be receiving that within 10 business days. I told the banker that my employer deposits my money through their bank and that bank direct deposits to my bank account. She told me not a problem. A week later I called Chase and they told me yes we see your direct deposit made by your employer and you will receive your {$200.00} bonus within 10 business days. Today I called to check the status and they told me they can not give me my bonus because my employers bank does the direct deposit and not the actual employer. I informed everyone I talked to in person and on phone how my employer does the direct deposit and they said yes its still direct deposit. Now they are going back on their word after I was promised!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I couldn't pay the money to get my credit score I'm on a fixed income

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