BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened an account with XXXX XXXX in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9 months early. 
I received a letter from XXXX in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now XXXX reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the XXXX XXXX XXXX  to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off 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 2019-04-01
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 is missing that should be on the report

Complaint:
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX credit account # XXXX is not been reported with Transunion and XXXX as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with Trasnunion and XXXX and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter  XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX and XXXX XXXX and a US XXXX XXXX Military Veteran.

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 2019-04-01
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, thank you for assisting with my issues. On XX/XX/XXXX I learned that my loan servicing was transferred from XXXX loan servicing to PHH mortgage. I was given a contact of XXXX XXXX ext.XXXX. I called to make a payment, and no one answered the phone. At that time I was 2 month behind and had a late fee of roughly {$1900.00}. I made 2 mortgage payments over the proceeding 3 weeks by the automated phone payment center.I have all the documentation ( i did have a routing number issue on a couple attempts ). After multiple calls on hold for hours, I had reached a customer service rep and was told i could get current with a payment of roughtly {$3900.00}, and made that payment around XX/XX/XXXX. I was told the late fees were removed, due to federal law with a new servicing provider, and made a payment of roughly {$3900.00} bring me current, which I did. I thought it was somewhat resolved aside from the illegal, inexplicable chargers and lack of customer service until..days later I got a letter and I owe over {$11000.00}. I realized payments were missing, there were payments not being applied and the escrow was off, there were fees piling on. The account was in suspense dated back to XX/XX/XXXX. I make a payment to get current and then this, heartbreaking. I asked for an escrow break out, never got it. There are funds that are currently missing.Full payments missing. Please help with holding this Lender accountable. I have all bank records and letters to verify these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got letter mailed XX/XX/XXXX saying I owed {$400.00} with no explanation of what for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX XXXX account # XXXX is not been reported with XXXX and Equifax as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with XXXX and Equifax and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of XXXX days that needs to be remove as this credit trade line was reaffirmed in XXXX XXXX on XX/XX/XXXX Bankruptcy XXXXr XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, XXXX  XXXX XXXX. 
I am respectfully Retired and XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions 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:
2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these XXXX XXXX XXXX at experian are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of XXXX 's breach and free monitoringof my credit reports!!! WHY are these XXXX at experian blundering away with phony fraudulent claims of collections?! # I never received any mail from XXXX at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about XXXX tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX XXXX state settled in my credit report and yet still continue with these vile scandalous collections

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 2020-10-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every year Loan Care sends me letters saying that I don't have flood insurance, even when they have had proof of it every time they asked. Then they go an buy a insurance of my behalf which is about 2000 % the amount I actually pay for my actual flood insurance. They do all this without my approval and then charge it to my scrow. I have called them every single year about this issue and after a long process they " fix it ''. I believe they are doing this to other home owners and getting ridiculous amount of money on the process. This is totally wrong and they should be penalized for doing it.

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 2020-09-15
Company: EQUIFAX, INC.
State: TN
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:
PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, Equifax and XXXX as promised. 

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. XXXX. Emails with XXXX 3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased an item in XX/XX/2018. I called paypal since the item I received was defective. They recommended I call my credit card company to report an unauthorized purchase. I knew this was unethical so I told the representative to go through with a return. I was told I would receive a refund for shipping. I returned the item and paypal removed the item from my account so I can not follow their process to get a refund. I have emailed them 10 times and they do not read my response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian keeps sending me letters claiming they can not identify me and requiring that I re-submit all the information I have already sent. Clearly they do not want to do anything but ask for information they refuse to accept. 

Included in the pdf file to be attached is a copy of my reply to the letter received in today 's mail ( XXXX ) and the documents resubmitted to them by mail on XXXX responding to their letter to me received that date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Experian for several months asking them to look into my credit score and why it is consistently 100 points or more lower than XXXX  & XXXX. Every person gives you a different answer and has no idea what they are talking about. 

Each of them do have one thing in common though - You need to open another credit card because your file is " thin ''. I already have 3 credit cards and DON'T want or need a 4th one. I have plenty of credit. They also weekly send me message to open credit cards which I am sure they make money off of. Therefore forcing someone to open cards that I am pretty sure they make money off of. 

Today I had one " customer service '' agent ( XXXX - badge XXXX ) who when I asked to speak to you her supervisor told me that their managers do not speak to people. I called back again and got her : - ( and she hung up on me when I asked to speak to her manager. I called a 3rd time and XXXX ( ext XXXX, would not give his badge number ) also said his manager would not speak to anyone.

All I want to do is speak to a senior leader that actually knows what is going on to fix more score and bring me inline with the other agencies. My score being over 100 points lower than the other agencies is hurting my ability to get good loans for purchases of a new car and home. 

PLEASE HELP ME!

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 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citbank credit card randomly changes the Monthly card closing date. This was NOT disclosed upfront. As a consumer, the billing cycle changes anywhere from 3 - 5 days after bill is paid. As a result, hardship on managing the monthly payments. All major credit cards should close with the same date which is at the end of the month.

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 2019-04-01
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX i was notified by bluebird that there was an ATM withdrawal in the amount of XXXX in Florida. I filed the dispute and showed proof that was at work in TN when this happened and my claim was still denied I called back and was told to provide a police report which i did and my vlaim was denied. I sent an email per American Express as the card is through them and never received a response back. When i called today because my claim was denied again they XXXX with badge number XXXX advised me to contact the ATM or nank but could not give me the name of the bank or a number to contact. I believ my card was clonned while using it at the mall. I am not aure what else to do. He was able to give me an address of XXXX XXXX XXXX XXXX in XXXX Florida.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22
Company: CAINE & WEINER COMPANY, INC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I switched insurance companies at the end 2018 ( XX/XX/XXXX ). They must have sold the debt to a third party and asked for incorrect amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Navient Solutions, LLC.
State: NY
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:
I am writing to you, because staff from Navient loan company reported inaccurate information lowering my credit score. after I have already spoken to someone and submitted my documents to them they still went ahead and reported that I am late on a loan that I requested to be put on forbearance. I resend the information by mail and by e-mail. This is not the first time that they have done this and I have made numerous attempts to get the matter resolved but was unsuccessful. please investigate this matter and report the correct information to the credit bureau. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my 3rd attempt to get my credit report with my good accounts, delete all errors-wrong names and addresses per FCRA. 
I need a new corrected report and credit accounts on the report asap!! 
I need corrected report with my credit and score by XX/XX/2019.

Company response to consumer: Closed with explanation