BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: AMERICAN HONDA FINANCE CORP
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 am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : AMERICAN HONDA FINAN, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was at a club lost my wallet and and my card got charged XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

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 2018-01-04
Company: JPMORGAN CHASE & CO.
State: LA
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:
My husband paid my credit card in the full amount with a check that had the credit card number, closed account, paid in full clearly written on it on XX/XX/XXXX. The check cleared my husbands account the day before the due date. I called the credit card company ( CHASE ) a week or so before it was paid in full and said we were closing the account and paying it in full and asked what was the payment amount. Today XX/XX/XXXX we are now receiving notices that the account is past due for {$6.00} when the account had a zero balance. When I called the bank they threatened to add late fees to the account also. I highly advise anyone to think twice when dealing with Chase bank or card member services at XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding the alleged INQUIRIES. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: OH
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:
I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are Experian, XXXX and 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 2020-04-26
Company: Experian Information Solutions Inc.
State: MI
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:
Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a XXXX  XX/XX/2020. 

I asked that a Bankruptcy of 9 1/2 Years Ago & a 18 Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and  they both recommend that I dispute the errors. I asked That Experian explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at Experian. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???

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 2018-01-04
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a contract for a certain amount of time at XXXX XXXX XXXX-XXXX but due to personal problems I was facing at the time, I asked the employee, XXXX, if she could cancel my contract starting on XX/XX/XXXX. This person who no longer works at the gym assured me that she would cancel my membership without an issue. I asked her for documentation to back that statement up -she declined stating that would not be necessary. She never again contacted me to say that my account had not been cancelled ; I took her at her word as an authority in that establishment. On XX/XX/XXXX, I emailed XXXX XXXX XXXX regarding a Letter of Delinquency I received that week of XX/XX/XXXX which called for payment of {$600.00} for the dates XX/XX/XXXX-XX/XX/XXXX which XXXX had said she would cancel a year before. I explained the situation thoroughly and requested to be pardoned for the fees due to previous lack of disclosure on their part ; I did not expect to be billed for something a year later due to XXXX 's false reassurances. XXXX, the employee I emailed, did not respond to my last email which I ended by saying, " I realize that you had nothing to do with her mistake of saying one thing and not doing it ; however, I 'd like to request an exception from your usual policies if you 'd please consider nulling my dues. With respect to your establishment, I 've had an extremely unfavorable experience with inconsistencies at the inactions of previous employees. '' on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around the middle of XX/XX/XXXX, we applied for a loan with LoanDepot.It was preapproved with a 3.75 % rate. All the PAPERWORK THEY ASKED FOR WAS SENT WITHOUT DELAY.It was sent to underwriting for final approval for three weeks now.We have to call to see what is going on after we contact the manager Then they would call and state we need this or that, then we can get final approval, we right away send it to them.No word from them 2-3 days.XX/XX/XXXX I email them the manager in sales, then they would call we need 24 months payment and divorce decree then we will close.sent right away and sent 35 months of payments ( never late ) .A week pass no word. I email again, then they would call we need XX/XX/XXXX payment. this is all underwriting need to close.this is now Monday, XX/XX/XXXX will call you tomorrow with final approval and set up closing. Wedn XX/XX/XXXX. no phone call. I called her voice mail states she went home.I was connected to 3 other departments. No manager could come or could be reached in any department especially underwriting.They have all requested information and is not doing their jobs. Uncalled for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed this company 30 days to correct my report and send them a letter last XX/XX/XXXX. However, this company company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link : XXXX XXXX XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-06
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was losing my job, I called the XXXX XXXX and told them I was losing my job they told me If I turned the car in it would not be on my credit. because it was a voluntary repossession the cars was in great shape. 
if you look on my credit I was never late, was on time .. but I new I could not afford the car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Bread Financial Holdings, Inc.
State: CT
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:
Comenitybank/Victoria Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: SYNCHRONY FINANCIAL
State: MS
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:
I didn't authorize these inquiries and i have reached out to these creditors and still havent removed the items

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 2021-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX  across the board.

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 2022-02-04
Company: NBT BANCORP INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or before XX/XX/2022, an account with NBT Bank had a security breach. As Power of Attorney for the account holder, I contacted Customer Service to report the security breach. 

Customer Service had no POA documents on file and requested them. Luckily we were able to get the account holder on the phone and she requested the security breach response. 

Customer Service gave us an email, XXXX, to send POA documents too. On XX/XX/2022, at XXXX est, POA document were sent. At XXXX that same day, we were asked to get an Affidavit Power of Attorney and sent a blank form. 

On XX/XX/2022, The Affidavit was signed and certified by a Notary Public, who was also an attorney who review the documents as well. They were scanned with some additional information needed about myself who is the agent. 

The Bank then denied the power of attorney documents, because they were not original or a certified copy, despite being the scans of the originals as requested by the Bank with a Nortized affidavit of power of attorney with the documents. 

This is not the first time I have had this type of issue with NBT Bank. The Local branch in XXXX NY does not have a manager and the workers there will not help or even talk with me about POA. Moreover, the declination came via email with no explanation. We were told to contact customer service - who promptly hung up on me, transferred me, and then sent me to a random voicemail unaffiliated with the company. 

NBT Bank is currently withholding access to this account that I have legal power of Attorney over. Why would waste time and money on a Power of Attorney document if we can't use it? It seems ridiculous that NBT Bank and other financial institutions and regulations have a misguided stance on POA. The agent has the authority of the individual, plain and simple. The Document wouldn't have gotten signed and filled out by the individual, the public notary, or the lawyer who drafted it ; if they didn't know what they were doing and what power they were giving the agent. It is not NBT bank 's responsibility to advise their customer on legal matters, it is actually frowned upon. They are not the judge and jury in this situation, the account holder is. If something nefarious happens, it is on the agent, whom they have a record of, not the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX XXXX EST from American Education Services. Both pick up hang ups. I looked to ensure all payments were current after the call on XX/XX/XXXX. On XX/XX/XXXX XXXX I called back and the representative asked for my current address and I confirmed all information. 

On XX/XX/XXXX my mother called stating that called asking my address information. I told her I called them and gave it. At XXXX on XX/XX/XXXX I called the company back and that stated they were asking about my father a cosigner who was XXXX. The representative stated an original XXXX XXXX must be mailed to AES, I asked about alternatives and the representative stated that was the only way. I asked to speak to a supervisor and the supervisor said I could do it via fax, or through website submission. I told them I would have to get a copy and I think I had it in my email. 

When I hung up the call I searched my email and found no copy so I texted a family member who would have the information. The family member stated they would get it to me. 

Also on XX/XX/XXXX at XXXX another incoming call, no voicemail. I called back at XXXX and spoke with a representative who stated the calls will continue daily until I get the death certificate in, I asked for them to stop especially to an elderly reference who is unable to handle her own affairs, they stated they are unable to stop the calls. I stated as a consumer this appeared to be harassment after keeping reasonable communication and that I would contact the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had applied to Experian a credit report business that gives many services in line with credit scores and reports.I had not completed the application and was waiting to and after so much time in weeks they put on a charge of {$23.00} on my XXXX debit card.And they caused me to now have bad credit.All that time and they decided to get a transaction not authorized.I would like a refund of my money of {$23.00} and they gave me {$3.00} back after I complained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I HAVE REALLY TRIED TO WORK WITH EXPERIAN CREDIT COMPANY THEY HAVE CHARGE MY CREDIT CARD TO many times I set up my account and everything once they have charge my credit cards of the amount of XXXX I was on a trail basic until XX/XX/2019, meaning they wasn't not force to charge my credit card, not only did they lied to me a consumer, they charging my credit card before the renewal date, they are committed fraud charges on my credit card. Then they lock me out of my credit report they still charging my credit card under false pretenses

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 2019-05-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
our problem has been going on for three months..our loan company has not paid the taxes on our home and they are collecting escrow fees. we are with lakeview loan servicing and called their number only to find out that number is no longer in service. we have been forwared to XXXX and giver a case number of XXXX and have been told that they would contact me within 48 hrs? so far we have had NO contact within one month and have received a letter from XXXX assesors office that as of today XX/XX/XXXX the tax 's were STILL NOT PAID! we just need somebody's help you can reach me XXXX XXXX At XXXX XXXX XXXX Please Help

Company response to consumer: Closed with explanation