BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize Bank name : XXXX XXXXXXXX XXXX XXXX date : XXXX Bank name : XXXX XXXXXXXX XXXX Inquiry date : XXXX Bank name : XXXXL XXXX XXXX XXXX  Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXXL XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : Inquiry date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, wrong information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: American Credit Acceptance, LLC
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Today XX/XX/21 I called American credit acceptance to try and pay off my loan, which is approximately {$11000.00}. I offered to pay XXXX to close the account today. They are not willing to go down a penny of what the balance is.I even tried to return the vehicle, which they told me I would still have to owe the remaining balance. I have lost my job due to COVID-19. I am still waiting to receive my unemployment benefits, so I have no income. I am a single mother of a XXXX  year old. I would like to just get this settled so the company can get their money, and I am not struggling to survive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 found discrepancies on my credit report regarding late payments to my XXXX  XXXX account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. Last attempt before having to seek XXXX XXXX and filing a compliant with 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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 or about XX/XX/2019 I called to make a car payment with Capital One Auto Finance. I made my credit card payment online, but I have been told my auto loan account was set up differently and I can not pay online. No one seems to know how to fix that, so I have to pay over the phone, which is highly inconvenient. I called on XX/XX/XXXX to make my car payment. It was due XX/XX/XXXX and it was up-to-date. Their system was down. They told me to call back. I called back over the next several days and was placed on hold or hung up on repeatedly. I kept track and I literally spent 149 minutes over 3 days trying to make my payment again. I was traveling the next week and did not have the time to sit on the phone and wait, although I did try up to the XXXX to make the payment. The phone calls were disconnected repeatedly. They reported me late making that payment. I have spoken to no less than 10 people regarding this at Capital One. I spent 4 hours and 8 minutes, speaking to 7 people on one day with no resolution. One hand had no idea what the other was doing and I got different information. I am trying to buy a house and that late payment is the ONLY thing holding me up. I am very unhappy with Capital One Auto Finance. And this is not the only time this has happened. All I want is for them to waive the XX/XX/2019 late payment on my credit report. That is all I ask. And I think it is a small request for all of the inconvenience I have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XXXX I applied for a new XXXX XXXX for XXXX XXXX that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my Experian report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the XXXX XXXX and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at XXXX grand opening at which their district manager gave me a gift card for the hassle ( so XXXX know about this ). I got the card in early XXXX. I reached out to Experian by email and explained to them, who you would think would know better, that they told XXXX I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.

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 2018-03-29
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is what I sent to LoanCare with their contact information Dear LoanCare I am writing you because I believe I received late charges that I did not deserve. I would like the charges refunded or taken off my principle. 

this month I made 2 mortgage payment one was receive and the other was not. 
Please view a payment made on the XXXX as well as the XXXX. The payment on the XXXX was processed after a number of days but the payment on the XXXX was never process. 
the XXXX payment was received ; the XXXX payment was denied for bad check reversal. When I called Loan care I was told I did not use the correct account and routing number. I checked with my back who told me I was using the correct account and routing number. 
Further I have resubmit my payment with the same numbers and it was receive with a late charge. I would like the late charge returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Loan Inquiry : LoanCare XXXX. XXXX  XXXX XXXX   XXXX, VA XXXX Attn : Consumer Solutions Department Payments : LoanCare XXXX XXXX  XXXX XXXX, PA XXXX Notices of Error/Information Requests : LoanCare XXXX XXXX XXXX XXXX XXXX, VA XXXX Attn : Mortgage Resolution Overnight Address : LoanCare  XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Sent from my 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 2021-11-01
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/21, I called NYCB in XXXX, NJ at the number I found on XXXX when looking for banks around my area ( XXXX ). I was interested in opening a checking and savings account so I called to find out what ID they needed from me. I told the woman on the phone that I had my XXXX  passport, a drivers license, a credit card, and an ITIN letter issued by the IRS with my ITIN number. She then started to ask about my XXXX  and if I had a XXXX XXXX like she worked for XXXX. I told this lady I had neither one so she said that she can not offer me a savings account, only a non-interest bearing free checking because I was considered a XXXX customer. I explained to her that I have an ITIN therefore I pay taxes for the interest I earn but she said it was the bank 's policy not to open a savings account for me. 

I would like to know what is the reason behind this. I felt discriminated the entire process and denied a savings account for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was solicitated from a company representing XXXX  who was fronting for a loan from wells fargo for a ppp loan. I was collecting unemployment insurance actually XXXX since i had XXXX XXXX. I was not told that you can't double dip ( collecting a ppp loan and pua ) so after research i decided i didn't want the loan and notified all parties in involved. They processed the loan without my permission and on XX/XX/2020 i waited online at XXXX for hours ( they were letting in one person at a time ) and wired transferred the entire amount plus {$30.00} for the wire fee back to them. see attached. to this day i'm still getting emails to apply for loan forgiveness. wells fargo not only doesn't acknowledge receipt they are screwing up my credit doing so. I have all parties no less than 15 times each without any success. My loan is still outstanding over a year later even though the money was wired and received. Please help. I've gotten nowhere

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 2020-08-29
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX  , XXXX  , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications .1 PARAMOUNT RECOVERY acct. # XXXX bal. {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I deposited a donor 's check into my non-profit checking account at the XXXX & XXXX XXXX, XXXX, PA branch. When I put the check in the machine it read it as {$300.00} when it was a {$100.00} check. I removed the check and redeposited it. The screen showed {$100.00} which was the correct amount. Later when I checked my BB & T mobile app it showed a {$300.00} deposit. I immediately called the branch where I deposited the check and was told it would be caught by the " back office '' and corrected on Monday. Monday it was never corrected. I called the initial bank and was told to wait a couple days that the error would be caught by the " back office ''. I tried calling the initial bank on XX/XX/XXXX after seeing on my mobile app it still wasn't corrected and no one was picking up the phone so I called another branch ( XXXX XXXX XXXX, XXXX, PA ) and was told that they could not see the check on the screen I would have to call the initial branch. I said I have been calling for hours but no one is picking up. She gave me the email address of an employee and I sent him an email and as of this date he has not responded. I called customer service XXXX number and was told that I would have to contact the initial bank where the deposit was made. I called them on XX/XX/XXXX and said I wanted to speak to the manager and was told there was no manager on duty. I relayed my whole story and was told the same excuse ... the " back office '' will fix it. I called the toll free number again and spoke with XXXX and was told that she would expedite the correction after she saw the check amount was {$100.00} and it would be done in XXXX business days, hence XX/XX/XXXX and she would make a complaint for me. The correction is still not made and so I called customer service again today and was told by XXXX that she saw my complaint with XXXX and that it would " be fixed in XXXX business days '' and she will make a complaint for me. Worst part of this whole ordeal is that the {$300.00} was deducted from the donor 's account, it was not caught by his bank, XXXX XXXX, and they said it has to be fixed on my end.

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 2020-05-27
Company: EQUIFAX, INC.
State: NY
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:
as previously notified I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Credit Management Control, 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:
I have a loan with XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: CA
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/2020, I disputed inaccurate information reporting on my credit report by XXXXXXXX XXXX. I was notified by the 3 credit reporting agencies, Equifax, XXXX and XXXX  that the information was verified. I disagreed with this information, so on XX/XX/2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. 

On XX/XX/2020, I sent a request of verification to XXXXXXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information. 

On XX/XX/2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXXXXXX XXXX  is reporting. I notified them that the information is inaccurate and unable to be verified per my request. 

On XX/XX/2020, I sent another dispute to XXXXXXXX XXXX to notify them that I've had my rights violated. 

In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: National Credit Systems,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:
I have a loan with XXXX XXXX, NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: AMA Advisors, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, the mortgage company ran an escrow analysis which showed an escrow shortage on our account. In XXXX XXXX payment, our payment showed significantly higher because of the shortage but because we could not afford the shortage of approximately {$3000.00} at the time, we paid the mortgage due. Mid XXXX, we paid the escrow shortage of {$2700.00}. Weeks go by and to our dismay, Homebridge misapplies our escrow shortage payment to XXXX XXXX   mortgage payment, which is why we did not have a XXXX payment due. I was expecting our payment to go back to normal. 

I call the mortgage company repeatedly to get them to reapply the payment and fix our monthly payment for XXXX. This takes multiple phone calls. XX/XX/XXXX rolls around and the XXXX payment is still showing the incorrect payment amount and they still have not updated it. Then, they finally move the funds around to our escrow, however, they run another escrow analysis WITHOUT MY PERMISSION, showing another ESCROW SHORTAGE of another {$400.00} after I HAD PAID THE INITIAL {$3000.00}. Around this time ( it is the second week of XXXX ), I have called them repeatedly to have them update the XXXX payment, and still to no avail, because I have gotten tired of waiting, I had no choice but to pay the XXXX mortgage payment + the {$400.00} shortage. 

NOW, we are stuck waiting for them to update XXXX XXXX payment. WHICH IS SHOWING the full payment amount AGAIN. This has been a whirlwind and I have been so incredibly tired of dealing with such a disorganized company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation