BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: DE
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:
While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in XXXX I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On XXXX the balance is being reported as {$9800.00} while on XXXX and Equifax the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: DISCOVER BANK
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:
Discover Card- From XXXX XXXX XX/XX/XXXX i was on tour i have documents need to prove i was on tour at the time. I was charged a XXXX dollar delinquent charge without knowing while i was working. it increased and now i'm in a bind because i didn't have internet on my base

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Had a checking account with direct deposit when I went to close it they left it open and charged all kinds of fees after calling them for 3 months they finally closed 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 2021-03-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 i filed a unauthorized claim for a {$1000.00} XXXX transfer with Citibank. I was not notified of their decision to deny my claim ( s ). I then called the bank to follow up in which i was informed then and filed an appeal. The bank did not protect me as a long standing customer who did not have any issues with this bank. The bank did not notify as requested over the phone about appeal decision or ask for any additional information from me to successfully fight my appeal. I feel as though i have been discriminated against and unprotected.

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 2022-11-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a mortgage with U.S. Bank since XXXX of XXXX. I have never missed a payment or had a late payment. The mortgage was for 15 years and I needed to restructure it since I could not afford the balance of {$67000.00}. 

I started negotiating with US Bank in XXXX of XXXX, two months prior to the expiration of the loan. They did not return calls, personnel were unavailable or did not call back when scheduled. In XXXX, they refused to accept the monthly payment. I have sent in all required documents in a timely manner and confirmed that US Bank received everything they have requested of me. 

On XXXX XX/XX/XXXX, I received a certified letter requesting a payment with late fees totaling {$1100.00}. I sent a check for the requested amount via certified mail on XX/XX/XXXX as they were still going through the underwriting process. On XXXX XXXX, they returned the check stating they could not accept the partial they had requested via certified mail. 

On XXXX XX/XX/XXXX, I received a packet with updated valuation of the property listed as {$150000.00} with current pictures taken on the XXXX of XXXX. I was not aware anyone came to my house to take pictures and no one conducted a current appraisal of the property.

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 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received numerous letters from Capital One for several months about being pre-approved for the Capital One Secured Platinum Card. I decided to give them a call to see what where the benefits of the card since all of the letters that where sent me had pre-approval codes on them. When I gave them a call I got transferred to the applications department and they gave me a brief explanation of the card. I told them I was going to call them back since I was not ready to apply for the card Last Month. This past Saturday ( XX/XX/2018 ) I seen that Capital One Bank was a hard inquiry on Both my XXXX and XXXX  credit reports from my XXXX XXXX account. Capital One applied to the card for me without my consent. I since decided to contact them that same Saturday but the applications department was closed due to the weekend. So I called during business hours which was the following Monday and The representative from the Applications department told me that there wasn't any applications I applied for on the card. The representative told me to contact all the Credit Bureaus about this issue and to do a victim statement. And that the Fraud department from Capital One is going to do an active investigation. Which could take 7 to 10 Business Days. 

I am writing this to see if there is anything CFPB can do to help me on this. 
I would greatly appreciate it, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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 belongs to someone else

Complaint:
im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I mailed a goodwill letter on XX/XX/18 regarding XX/XX/2018 late payment status. I was having financial hardship due to being admitted into an in-patient hospital for a month and losing my job. They mailed me a letter on XX/XX/18 stating they aren't willing to help me out. This is keeping me from getting a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?

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 2018-09-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Old addresses, inaccurate employment information. Must be removed

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 2020-06-03
Company: JPMORGAN CHASE & CO.
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:
My car was broken into on XX/XX/2020, my wallet, along with my old drivers license and 8 credit cards and 1 debit card were stolen. I filed a police report with XXXX XXXX PD at XXXX XXXX  on XX/XX/2020. 
Officer : XXXX XXXX  XXXX Contact : XXXX XXXX XXXX Police Report # : XXXX My stolen Chase debit card was used at a XXXX gas station in the amount of {$43.00}, When I realized about unauthorized transactions in my chase account, I called up Chase bank on XXXX XX/XX/2020 to inform them of the theft and vandalism. When I initially called to report my theft, I was told that Chase will get back to me regarding the police report. No one from Chase bank got back to me to collect any further evidence. They investigated the charge and found that charge was authorized or valid and posted notice on XX/XX/2020. I am attaching pictures of : 1. My broken car pics 2. My car insurance claim filed on XX/XX/2020 3. An alert I received about a suspicious activity ( unauthorized transaction ) from a Chase credit card on XX/XX/2020 ( I called up Chase credit card services separately on XX/XX/2020 and asked for 3 replacement credit cards ) 4. An email from my building management alerting us of car vandalism in our apartment complex. 
5. The chase bank letter claiming the charge on my card was authorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
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:
First, Heartland ESCI has no means of accepting deferment materials electronically ( no fax, no online submission ). This is unacceptable. Waiting 10-15 business days for Heartland ESCI to process a deferment application that has been sent by USPS is simply bad service. 

Second, I have sent several deferment forms to Heartland ESCI, each time getting a rejection notice via e-mail, an e-mail that gives no guidance as to what documents are missing. I'm dealing with a man behind a curtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Automated Accounts Management Services
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: Account information incorrect

Complaint:
XXXX XXXX XXXX : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$340.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/XXXX. {$1500.00} XX/XX/XXXX. {$4400.00} XX/XX/XXXX. {$4300.00} XX/XX/XXXX. {$2900.00} Ive called the company to ask about sending the original paperwork and my signature. Also asking how is it valid/legal for a minor to sign for such significant amounts being under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CitiBank keeps sending ACH to bank multiple times, after bill is paid, resulting in multiple overdraft fees.

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 2020-11-23
Company: Yamaha Motor Finance Corporation USA
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a boat loan with Yamaha financial services. I have an automatic payment on this load and have delivered the loan payment on time ( XX/XX/XXXX of every month ). The loan has been serviced correctly for 15 months. I received a letter on XX/XX/XXXX state my bill was passed due. I contacted the company and they said that they processed my XX/XX/XXXX and XX/XX/XXXX and I owe {$100.00} in late fees. 

I spoke with XXXX XXXX he would not give me his employee number and refused to let me speak to a supervisor stating he was in a meeting. 

He said there is no one at the company capable of removing the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: SYNCHRONY FINANCIAL
State: MS
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 have a care credit card and have tried 3 times to set up an automated payment. The payment time rolls around and I get a late fee because Im told the draft wasnt set up. I asked that the late fees be removed and explained my frustration that its not my fault that they didnt set up the draft as they said they would. It caused a snowball of fees that I will never be able to catch up. 

Theyve recently even started harassing family members of mine. I keep getting numerous calls with the hour some are no caller id and they are always hanging up on 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 2020-05-25
Company: Avant Credit Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan was due to be paid off on XX/XX/XXXX. According to Avant, I still have a balance due. Upon my research of my payment history, there are several payments there were not applied to principal. The payments were only applied to interest. I have inquired to Avant on several occasions via phone and email ( XX/XX/XXXX, XXXX ) inquiring about the payments and requesting the basis of their calculation. The only response I was give was Whenever making regular or additional payments, they will be applied first to outstanding charges, if any, then to accrued interest, and then to principal. This is an unsatisfactory response. Avant is being fraudulent in their lending practice. As of today, Avant has not provided proof of the basis of their calculation for the payments in question. 

According to my Loan Agreement and Promissory Note, the total finance charges is {$7800.00}. As of XX/XX/XXXX, I have paid {$8400.00} in interest. According to Avant, I still have a open balance of {$1200.00}. I am aware additional interest was due for the four extension I received through out my loan. I have paid {$600.00} in additional interest. 
According to my records, my account should be paid in full.

Company response to consumer: Closed with explanation