BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
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:
Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows 30,60,90+ days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: LA
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:
This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 applied for several Capital One credit cards and when I call they say they have no applications from me which is an absolute lie. 

My credit report shows that they checked my credit several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: TX
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 written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

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 2019-02-12
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections was placed on my account for the amount of {$11000.00} on XX/XX/2018 by Midwest Recovery Systems. I am not aware of this debt and I have no documentation that it is mine. I was never even contacted by the original creditor, nor was I contacted by this collections agency via email or mail, before this was placed on my account. I do believe that a notice should have been provided so that I could have opportunity to pay or make other arrangements. I've reported this information to the XXXX  and have disputed this claim through XXXX XXXX. While on XXXX XXXX I did notice that other patrons was affected by Midwest Recovery Systems also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have had a lot of transactions with XXXX over the years but lately, for no reason, it takes a tremendous amount of time to transfer money to an account that has been used many times before with an acceptable transfer time of 2 - 3 days but out of nowhere, it takes forever. 
Just finished talking to a customer representative and their partner claims to do maintenance on their system- for 4 days- is that believable?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear Friend, I have been a customer of Bank of America for over 14 years. 

This past year I canceled my regular checking account and decided to open up a Business Checking account for my growing business. 

I believe I signed up so as I would never be charged over-draft fees and my card would n't be used if my balance were to become over-drawn as a result of use After using my debit card over the course of 72 hours in approximately late XX/XX/XXXX I was informed late on the third day that my account was over-drawn ( this was the first and only notice ) At that time I looked at my account and was shocked and appalled that my balance was negative XXXX I used my debit card 10 times, over-drafted 10 times, and was charged a non-sufficient funds fee of {$35.00} EACH time! 

I went into the local branch on XXXX in XXXX, Oregon, promptly to try to resolve the matter. 

I was informed that, even though I had sufficient funds in my savings account of over 1,000 that my account was charged a fee 10 times not as an " over-draft '' fee but as a non-sufficient funds convenience fee. 

I e-mailed corporate and have only received one voice-mail from them ; they have refused to return my subsequent phone calls This does n't make sense on mulitple accounts. 

First of all, how was my account exactly - {$350.00}, after 10 charges of {$35.00} fee each, if my account DID N'T have the money in it to pay the transactions? My account should have been - {$350.00} PLUS the value of the items I purchased Second ; I have a checking account, not a credit card, the ability to over-charge the account in the first place should be called into question, let alone 10 times! 

Finally, as mentioned before, as a long-standing customer AND a customer that had money in the SAME Bank I do n't see how a company can justify charging a customer that many fees especially in such a small period of time UPDATE : I was finally allowed back into my account after being locked out for security issues ; They have reimbursed most of the fees, without informing me, and because of this I have been charged a monthly account fee and more insufficient fund fees I would like those fees to be reimbursed and my account to be back to 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 monetary relief
Consumer complaint received 2019-02-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have done four loans thru Caliber homes loans, the experience up until this point has met my expectations. We have paid three of he four loans off. Unfortunately, my home suffered significant water damage in early XXXX. One would think that the insurance company would be difficult party when trying to repair your home however, caliber home loans has proven to be the nuisance. My insurance company worked swiftly in identifying the problems and providing a payment for repairs. Caliber has taken over two months to release the payments and I have had to pay a significant amount of money out of pocket while waiting for caliber. While caliber may do an acceptable jobs underwriting a loan there customer service has completely failed me and my family. We have perfect credit and have never missed or made a payment late in 30 years. Because we have paid so much out of pocket to try and fix our house we are struggling to make our mortgage payment. Caliber should not be allowed to write mortgages if they can not provide adequate customer service. They are clearly acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA XXXX this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: WA
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 contacted Equifax to submit a dispute of N account on my credit report called XXXX XXXX  due to identity theft. I waited 30 days to wait till my dispute was finalized and they told me that the reason they couldnt get t removed wa because the creditor witch is acceptance now verified my name and social security number witch made no sense to me because if someone stole my identity to open up an account of course they have that information. I later contacted the federal trade commission to explain my situation and they gave me an affidavit to submit to Equifax along with my police report so that I can get the account suppressed and in that affidavit it says they have four days to suppress they fraudulent information.I contacted Equifax on XX/XX/2018 to see if they updated my credit report and they told me that they cant remove the account until they submit another dispute witch we already did and they said that it would take another 30 days even tho the law says they only have Four to make the adjustments to my credit profile. The Equifax employee was very rude and disrespectful over the phone with laughter and rude comments witch made me feel like nowbody cared or had any compassion whatsoever about the situation. One of many employees name is XXXX and his employee number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION! 

The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet Experian still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet Experian lists a past due of {$370.00} on this account. How is that accurate?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: SUNTRUST BANKS, INC.
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 information incorrect

Complaint:
I purchased a van through Sun Trust Bank in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I purchased a van through XXXX  XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or around XX/XX/XXXX, I was approved for the American Express Gold Card. I used a referral link that would give me XXXX bonus American Express points for meeting a minimum spending requirement of {$3000.00}. I had a tax bill to pay, so I quickly met that payment. 

I met this minimum spending requirement on XX/XX/XXXX. See attached. 
The bonus points were not deposited to my account. 

I called American Express twice over this. On XX/XX/XXXX, I spoke to a customer service representative who said my points were on their way, and they were just waiting for my XX/XX/XXXX statement to close to see if I returned anything, and if so if I had met the minimum requirement. ( AMEX stated to me on the phone today on XX/XX/XXXX that they have this call recorded and would review ). I was promised that I qualified for the bonus and it was on its way. 

I called AMEX again on XX/XX/XXXX, and found out that I am, in fact, NOT eligible despite signing up for the card, being approved, and using the card to meet all of the requirements to meet the minimum spend. In fact, I was made aware that AMEX in fact, told me over the phone that I was not eligible, and I spoke to a supervisor about this. I can not emphasize enough that this is completely fabricated and made up. 
I never spoke to a supervisor regarding this and was never told I did not meet the eligibility for the signup bonus. AMEX is blatantly lying and committing " bait and switch '' and consumer fraud by denying me the bonus I have earned. 

This XX/XX/XXXX is in fact the first time that I was made aware that I did not qualify for the bonus. I was never informed when I signed up and was approved, and through the 4 months using the card. This is blatant consumer fraud and a textbook definition of bait and switch. 

Please contact AMEX, have them turn over all recorded phone call conversations with me and have them give the signup bonus I have rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a Walmart Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill? 
The Fraud department states the all you need to add someone as an authorized user is their SS number.

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 2018-03-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I was first supposed to start paying my student loans in XX/XX/XXXX I was able to push back my payments because I wasn't able to pay yet. I was concerned by how much I was supposed to be paying monthly. I contacted Naviant in XXXX of XXXX to ask about income based payments and I wasn't given any options, I was just told I would not qualify due to my yearly income being higher than my debt. However, when I started paying my student loans in XXXX of XXXX I found that I was struggling to make payments but was told I made too much money even though my gross income was significantly lower than my loans on my XXXX w2. I still struggle with my monthly payments but anytime I've attempted to fix this I was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company claimed I owed a debt I have no recollection of and have failed on all levels to provide any verification of debt and legal permission of any to collect debt in the state as well as provide a contractual agreement between myself and XXXX for good/services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: NJ
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:
unauthorized inquiries reported 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In mid-late XXXX I requested that XXXX do an investigation or thorough count on the number of payments I have made that count towards the 120 PSLF payments since I did not feel the number they gave me was accurate. In early XXXX, I believe XXXX or XXXX, I received a call from a representative at XXXX, asking if I still wanted the count completed and I indicated I did. I called roughly 6 months later ( and about a year after my original request ) inquiring about the status of the count considering one of my statements showed two different numbers for my two loans, one being in the 70/80 's and the other in the 30 's. I was told at that time that they hadn't even started the count until XXXX, and according to their false records I hadn't requested it until XXXX -- which is completely untrue but XXXX treats me as if whatever their records say is fact and could not possibly wrong. I spoke to someone in XXXX XXXX and inquired about the count since it continues to be incorrect on my statements, not to mention I've never been given any type of resolution or letter indicating their findings ; I was told it still isn't complete and they have no clue when it will be done. When I call XXXX for any reason, I get anxiety because of the lack of consideration, being told I'm essentially a liar because they don't see something I've said written in a note in their system, and inconsistent answers/recommendations between a representative and supervisor. I requested the count be done about 18 months ago and it has yet to be done. I fear that this will go on to effect my forgiveness and prolonging payments I have difficulty making. I consolidated my loans in XXXX and have been employed FT continuously since XXXX ; which stands to reason I should complete the PSLF payments in XXXX, which is the reason I felt the count was incorrect. I am beyond frustrated with XXXX and would like assistance in resolving since I have no way in doing so besides calling and asking ; which I do not feel should be expected for them to do their job in a reasonable amount of time.

Company response to consumer: Closed with explanation