BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: Navient Solutions, LLC.
State: MD
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:
After years of struggling to make payments on my private student loans. Navient charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, Navient is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been an American Express Card Member for 37 years and I have the XXXX XXXX card, the fees for which are {$5000.00} a year. In all that time my account has never been late, in arrears or unpaid. I have NEVER paid a late fee or interest charges. I am a loyal Amex cardholder, but even for me, Amex has defied the requirements laid out in the Fair Credit Billing Act ( 1974 ). My monthly payment was for {$15000.00}. I deducted {$800.00} as a result of items in dispute ( see attachment ), which I am allowed to do under the Fair Credit Bulling Act, and I paid {$14000.00}, which is 95 % of the billed amount. American Express then froze my card because I had not paid my account in full. The Act states : " Pursuant to regulations of the Bureau, a creditor ... may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. '' American Express ignored this regulation and froze my account ... and I later learned that it was because they believed I had underpaid my statement by a measly {$32.00}. Despite its public claims to the contrary, Amex does not care about its customers ... or the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Investigation took more than 30 days

Complaint:
I have sent several requests regarding late payments that are being reflected on my consumer report and still have not received a response on XXXX I sent a CFPB request claim number XXXX and XXXX requesting PROOF of these so called late payments and stated LAWS that they are BREAKING by reporting INACCURATE information it has been well over 30DAYS I still have not received proof I DEMAND that ALL LATE PAYMENTS be REMOVED XXXX XXXX XXXX from my credit report and updated to show as positive. Account XXXX department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: U.S. BANCORP
State: MN
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 XX/XX/2019 at approx. XXXX CST I spole with XXXX XXXX, a representative with US Bank. I was inquiring about the US Bank Visa Signature Rewards credit card. Card holders are allowed to choose two categories in which the cash back rewards for the quarter are 5%. The online information indicated "groceries" was one such category. I asked Ms. XXXX  if I could choose groceries every quarter, and she replied in the affirmative. I asked if there was a cap on the rewards, and she  replied that there is not.Wanting to further make sure that the card would meet the needs of my family, I asked (paraphrasing) "What if i charge $XXXX on groceries every month, would I get 5% back on the entire $XXXX in charges?" Ms. XXXX again replied in the affirmative.    Today, upon receipt of the credit cards (one in my name, one in  my wife's name), I went on line to choose "groceries" as one of my two 5% back categories. I was shocked to see that if i choose "groceries" that I would only receive 2% back!!!I called the US Bank phone number today, XX/XX/XXXX at approx. XXXX   XXXX CST. The first rep I spoke with said there was nothing that could be done. I asked to speak to her supervisor. I was connected with and spoke to, XXXX, also told me there was nothing to be done. I asked to speak with XXXX supervisor, and he told me that a manager will call me within 24 hours.A representative of US Bank lied to me. Believing the rep, Ms. XXXX, I went ahead and applied for the card. This was a hard inquiry on credit file, and impacted my FICO score.

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 2019-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE. THEY REFUSE TO DELETE. 
ACCOUNTS : XXXX & XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXX XXXX Dispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX -- NOT MINE

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 2018-02-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. 

XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. 

XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. 

I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. 

Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.

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 2019-08-17
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX  XX/XX/2019 I send a western union transfer to my sister for emergency when she goes to pick up the money they told her too much transaction. It was only $XX/XX/XXXX.when I called western union they give me another tracking number to go get my money back.2 days ago I sent $XX/XX/XXXX I am still not getting the money back, they also told me they can't give me any information about that money so I don't know what to do ,I don't know if I'm going to loose that amount the $XX/XX/XXXX or if I have to wait.also the western union customer service don't really don't speak English. My sister need that money so bad it is for emergency. I want to know why ever time I send a money in western union they block the transfer .thank you! Western union is bad now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to Experian and XXXX  proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but experian and XXXX  refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but Experian and XXXX  refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on Experian and XXXX. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. Thank you.

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 2020-11-19
Company: EQUIFAX, INC.
State: FL
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:
My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and I just found out on XX/XX/XXXX someone opened accounts under my personal information without my consent and without my authorization. I never authorize XXXX XXXX XXXX XXXX XXXX XXXX to use my personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as a result of these accounts being opened. I need these accounts blocked as it is a direct result of identity theft and it does not belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. All statements are true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank 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 2019-08-17
Company: EQUIFAX, INC.
State: FL
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:
Once again this debt does not belong to me. This is my second attempt to fix this issue. XXXX  has already removed this account after finding the results of their investigation inaccurate. My next step is contacting a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). 

I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. 

I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
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:
Experian has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms

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 2020-12-08
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
NJ LENDERS has been requested to provide me a copy of my original XXXX purchase XXXX XXXX XXXX XXXX mortgage that NJ LENDERS claims to have paid off at the XXXX refinance. There is no record of satisfying the mortgage, no release of XXXX and no discharge. The attachment includes actual payment records made for the mortgage labeled " MORTGAGE PAYMENT CHECKPAYMT '' of my checking account. All the other payees were listed by name and with the front and back of the check shown on my statement. NONE were returned even though they were paid. In addition the notice of settlement filed by closing attorney XXXX " Bag of Donuts '' XXXX references a NON EXISTANT address of XXXX XXXX XXXX XXXX, N.J. The LOT & BLOCK were changed about the same time the sellers bought the property. The Affidavit of Title and IRS documents that were signed by the sellers list XXXX XXXX XXXX XXXX, N.J. as the property being sold. 

I have requested NJ LENDERS for information that they should have on hand if they actually paid of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage at the XXXX refinancing. The XXXX  information is also included. I will get this to a layer but have been unable to do son because my phone calls are being intercepted. Once the COVID issue allows the opening of businesses again I will make an appoint in person. For now I will keep trying on the phone but I keep getting stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted a complaint about Comenity Bank charging me a late fee/past due of {$120.00} and submitted to the three credit bureaus that I was late. After Comenity Bank reviewed my account they discovered that I was correct and was supposed to correct the error with the three bureaus. But, the {$120.00} was never reversed and the fee is still on my account, The {$120.00} fee that was not to be on my statement. I am requesting that the fee be reversed/credited back to me, because I was NEVER LATE OR PAST DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXX/XX/2015 per XXXX  and not XX/XX/2015 per Experian and XXXX. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.

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 2021-02-25
Company: EQUIFAX, INC.
State: SC
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:
In XXXX of 2019 XXXX removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and equifax keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Rossi Law Offices, Ltd
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The city of XXXX, CT, which I do not live in, attempted to tax my motor vehicle in XXXX. I never received notice from the city that I owed a tax. On XX/XX/XXXX I received a letter from Rossi Law Offices , LTD. Upon receiving this first notice from the debt collector, the debt collector did not provide notification of validation. The debt collector also failed to provide notification that I have the right to dispute the debt if I believe the debt to be incorrect. The letter only demanded that I pay the amount owed. I believe this to be deceptive and abusive.

Company response to consumer: Closed with explanation