BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
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:
I had opened XXXX XXXX XXXX credit card to finance my new business in XX/XX/XXXX. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to XXXX XXXX, and XXXX XXXX soon after closed my XXXX account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to XXXX XXXX. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly XXXX XXXX had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called XXXX XXXX, and after XXXX hours on the phone and XXXX transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - XXXX XXXX. I disputed this with Equifax as an account that no longer belongs to me, due to XXXX XXXX refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because XXXX XXXX refused to accept my payment and Equifax did not remove the account from my file. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is reporting the following inquires from the companies below. These companies obtain my credit report without my consent : These lenders have accessed my credit file : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXXAuto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021XX/XX/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 2021-04-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is account is being reported to my credit by EXPERIAN as 23 Charge offs which is abuse. 

The account is in the amount of {$3200.00} I GIVE EXPERIAN PERMISSION TO HANDLE THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a request for Method of Verification to Experian Credit reporting Agency for the XXXX XXXX XXXX account # XXXX. I received an email XXXX at XXXX from Experian telling me that the investigation should be completed by XX/XX/2018. 

I called Experian on XX/XX/2018 at approximately XXXX and spoke with XXXX , who said that XXXX has about 30 days to respond to your dispute. I attempted to explain to XXXX that I sent a letter directed to Experian to send me their method of verification procedures and it should be done with in 15 days. XXXX mention that he had previously talked to me about this account, and I would be notified of the results within 30 days. He asked was there anything else. The called ended after I said no. 


At approximately XXXX EST I filed a formal complaint with the CFPB, Complaint # XXXX ; concerning Experian total disregard for FCRA- method of verification. 


At approximately XXXX XX/XX/2018 Experian sent and email alert to me, telling me that my dispute concerning XXXX was completed and the results are ready to be viewed. 

Experian has once again violated my rights as a consumer under the FCRA. Experian did not even bother to preform a fair and reasonable verification investigation. All they seem to have done was either go through XXXX  or just updated the negative account themselves. 


Because of Experian total lack of regard for FCRA compliance requirements, I have suffered financially as a credit consumer. 
I strongly believe that Experian is retaliating against me for filing a formal complaint against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a 36 month lease from XXXX XXXX XXXX for a XXXX XXXX XXXX in XX/XX/2021 with financing through Chase bank. The lease information was incorrectly filled out with my husband 's birthday instead of my birthday ( lease is in my name only ). Therefore, this account was unable to be added to my existing Chase online bank profile due to the discrepancy. 

I called both Chase online support and Chase Auto Finance and faxed my driver 's license as proof of my birthday to have the information corrected. I received notification on XX/XX/2021 that the birthday was corrected with Chase Auto Finance. 

I then called Chase online support and Chase Auto Finance innumerable times ( totaling at least 8 hours on the phone ) on multiple occasions and no one can fix my problem. Chase Auto Finance says the birthday is correct, there is nothing for them to " fix. '' Chase online support says the birthday is NOT correct and therefore they can not merge the accounts and add this lease to my online profile. 

At one point, it was recommended for me to go to a Chase branch. There is no Chase branch within 1.5 hours of my home. This is an unreasonable request. 

Due to the unreliability of USPS, I have missed one mail payment which resulted in a late fee and likely at a detriment to my excellent credit score. 

Since both parties involved seem unable to correct their mistake, I am hopeful this will help my situation. All I want is for my XXXX lease to be added to my online Chase profile, so that I can make my payment efficiently and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RESPA states that the servicer should provide an explanation of how the surplus, shortage, or deficiency is being handled. BAC 's explanation does not include options for the customer to pay the full shortage. Their statement is confusing and seems to want to keep customers with a higher monthly payment and potentially cause financial distress throughout the rest of the year.

I received the escrow statement from Bank of America and it does not provide clear instructions on how I can pay my escrow shortage so my monthly bill isn't impacted going forward. It is very confusing and will likely lead to customers maintaining a higher monthly payment. Their website also doesn't allow you to pay the shortage without paying the monthly mortgage payment. It seems that they want to keep me at a higher monthly payment amount which isn't beneficial to how I pay my monthly bills. On the other hand, XXXX  's escrow statement provides three very clear options for the customer and their website allows for escrow only payments.

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 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XX/XX/XXXXmy son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years Best Buy sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXXand was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXXand they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time caregiver. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.

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 2018-03-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019, Unfortunately I deposited a Fraudulent check, I did not know that it was fraudulent when I deposited it. I was fooled into a Smart Shopper scam and I withdrew the funds and dispersed them with XXXX  and XXXX XXXX. My bank is charging me the amount of the check {$3700.00}. They are withholding my direct deposit from my employer and my savings account. I spoke to the Branch manager at the XXXX XXXX XXXX  Branch and he advised that he would not release the funds even though I explained to him that I needed this money to live on and that I have been a valued customer for many years. The amount deposited into the savings account was {$1300.00} from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On JXX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX  has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX  is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.

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 2020-12-12
Company: NAVY FEDERAL CREDIT UNION
State: CO
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 NOTICED OUT OF THE BLUE MY SECURED LOAN ACCOUNT WITH NAVY FEDERAL CREDIT UNION IS SHOWING OPEN AND 30 DAYS LATE WHEN IT WAS NEVER LATE AND IT IS CLOSED. IT WAS A 12 MONTH TERM SECURE LOAN THAT WAS OPENED ON XX/XX/2018. I WAS NEVER LATE AND THIS ACCOUNT SHOULD HAVE A XXXX BALANCE AND PAID AS AGREE. THE ACCOUNT NUMBER IS XXXX. WAS UPDATED XX/XX/XXXX ACCORDING TO THIS. ALSO THERE IS ALOT OF VARIATIONS TO MY NAME WHICH I WOULD LIKE REMOVED. I JUST WANT MY NAME AS IT APPEARS ON MY IDENITIFICATION. ALSO I NOTICED THAT THE OTHER DISPUTE THAT HAS THE LINK TO MY EMAIL IS DIFFERENT THAN THE ONLINE XXXX ONE. I CAN NOT ACCESS MY REPORT ON ANNUAL FREE CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Alorica 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 information incorrect

Complaint:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to SST whom, I pay regularly. For some reason they reported that my payment was thirty days delinquent to the credit reporting agencies, and has refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank had a promotion for {$400.00} bonus if you deposit {$15000.00} in new money to Citi bank within a timeframe and I've already met the criteria and they are arguing with me that the bonus was not tied to my account and that they can't find it. It's been a couple months now with getting the run around from their customer service. My name is XXXX 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 2019-08-20
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a mark on my XXXX Credit report showing that I failed to pay an "original balance" of $XXXX from XXXX XXXX. It states that the "Date Opened" (of the account) is XX/XX/2019. It is now in the hands of Southwest Credit Systems (XXXX XXXX XXXX, XXXX, TX XXXX). It shows an Account # which I have never seen before.I have no accounts with XXXX XXXX. I have not had any account or accounts with them in over a decade. I was never notified of any such debt. This negative mark is hurting my credit score and it has been for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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:
XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

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 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
WHATS IN YOUR WALLET? 

Only half of my money, because Capital One failed to protect my checking and savings accounts! And refused to reimburse me for {$10000.00} of unauthorized, fraudulent withdrawals. 

On Saturday, XX/XX/2020, I received a text message from Capital One asking if I had authorized a {$100.00} payment to XXXX XXXX. At the time, I did not know what XXXX XXXX was. I went to my online statement and realized that there were approximately 98 unauthorized transactions on my accounts, in the amount of {$22000.00}! About half of these transactions were labeled Mobile Debit Purchase XXXX XXXX XXXX sent XXXX XXXX CA. Then the other half were labeled XXXX Payment Sent to XXXX ; which I later learned was some sort of XXXX payment. I have never opened a XXXX acct or used one.

I immediately filed claims with Capital One.

After notifying all 3 credit bureaus, I found out the cybercriminal had tried to open accounts, in my name, with XXXX, XXXX and XXXX. These accounts were shut down and extra protection measures were implemented on all of my credit cards and accounts. 

Also, on XX/XX/XXXX, I filed a police report with the XXXX XXXX County Sheriffs Department and emailed it to XXXX. Detective XXXX XXXX took my case, started an investigation and sent out subpoenas. I continued to make phone calls to XXXX XXXX Claims Department and Security/Fraud Department, pleading my case and trying to recover the money that was stolen from me. I was repeatedly told, They were still investigating. 

Finally, on XX/XX/2020, I received a partial refund check in the amount of {$11000.00}, for the XXXX XXXX claims. Capital One still refused to pay the additional {$10000.00}, for the XXXX claims. I cited what I thought were my federal rights to the representative of Capital One, to no avail. If someone makes unauthorized withdrawals to your bank account using your debit card number, you are not responsible. 

Then, on XX/XX/XXXX, Det. XXXX said he had spoken to XXXX XXXX at Capital One. They discussed cracking the case. Apparently, there was a woman in XXXX, XXXX, that had committed these cybercrimes. Capital One had telephone recordings of her pretending to be me! XXXX said he would reopen the case and continue investigating. 

I continued to call Capital One for updates and a possible resolution. On XX/XX/XXXX, I was told none of the recent police reports had been entered into their system. And on XX/XX/2020, I was told XXXX, the investigator for Capital One ( XXXX-XXXX  # XXXX ) said the case was closed, that was the final decision and that I had no recourse! 

So, I am reaching out to you because Capital One has closed my accounts and will no longer communicate with me. Please help me recover the {$10000.00} that Capital One owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander Bank is ripping me off with late fees and bombarding me with ROBO-CALL after ROBO CALLS. I have been paying them on time since XXXX. I did have a medical problem in XXXX. But I have been paying on time the last 18 months and they keep charging me late fees and no one answers the phone when I call after being on hold for 20 minute sto half an hour. I have been making my car payments. They are charging me another Car Payment of late fees of {$220.00}. Those late fees should be revered. Attached is my download of car payments from my XXXX account. The CFPB should stop them from pushing consumers under with late fees even though they are paying on time. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: IQOR US INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received unsolicited phone calls for debt collection company on several different occasions multiple times a day for person that was not me ( Looking for a " XXXX XXXX '' ). They left no information or voicemail. They would call up to 4-5 times per day. Ultimately I called them twice to have my name removed from the list however I work nights and these phone calls were harassing in nature without any information left to identify the collar or reason for phone call in voicemail.

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 2020-12-03
Company: Experian Information Solutions Inc.
State: NV
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:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.

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 2018-02-17
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a Lier and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

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