BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
XX/XX/XXXX XXXX {$1500.00} ), XX/XX/XXXX ( {$1600.00} ) - I was informed initially by the organization that my account had insufficient funds available to process the above payments. After speaking with numerous representatives at the organization, it was disclosed to me that here was an error in their system with using the ABA routing numbers attached to my account. Thus making their claims that insufficient funds available a falsehood. As a result, the organization did a hard copy credit report analysis on my credit standing. In response, the organization reduced my credit level by approximately 92 % by making false statements about my payment history, not only within the organization, but by other accounts listed in my credit report ( XXXX  ). As a result, I pulled my credit report through the company that they use and there are NO late payments reports from ANY creditors listed on my report. This organization is reporting misleading and false information to my credit report and making misleading and false claims upon my payment history as reported by XXXX. This organization has continued to make these false claims, regardless of any resolution attempts to correct the mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I HAD SEVERAL AUTO LOANS AT SANTANDER OVER THE PAST 12 YEARS AND NEED LOAN NUMBERS AND INTEREST RATE T.I.L.A. ON ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello, My name is XXXX XXXX and on XX/XX/2018 I purchased a {$50.00} American express gift card with cash and a couple weeks later when my sister went to use it did not work. I called American Express and they told me the card was never activated and I needed to fax the picture of the card ( front and back ) along with the receipt. Since I bought the card cash I lost the receipt but I gave my sister a gift receipt from the store, so I used the gift receipt to get a receipt from the store which I bought the card from. When I faxed the documents to American Express they told me that the receipt printed from the store database is not acceptable and that they needed the original receipt. I'm stuck and I'm unable to recoup my money. Please help. My telephone is XXXX XXXX. 

Note : My reference number with American Express is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has given me difficulty the last ( 3 ) times when I try to access dispute information. I will put a dispute in through XXXX XXXX and will recieve an email from Equifax stating they are investigating the issue. Once they are complete, they send me an email with a confirmation # to go online and view the dispute results. Every time I try to access this online, they seem to can't varify me and I have to call in. Well, when I call in they ask me the same series of questions as the online prompt does. At the end of the conversation, they always say that they can't varify me and I need to mail in documents. 
It is the same information that all ( 3 ) credit beaures have on me. These people are rude and their is language barriers here. How can I make the necessary corrections to my credit report if I can't access it. They are truly no help. There is a blog out on the web of thousands of people who are complaining about how Equifax operates ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Seterus Inc. onXX/XX/XXXXat XXXX eastern time. I was requesting them to cancel my PMI as I am now below the 80 % threshold required. My mortgage began in XXXX of XXXX  and the original principal was {$84000.00}. Current loan balance is {$67000.00} or 79 % ( after i made my XXXX payment ) of the original balance. I called them to cancel my PMI and the response i got was that i would have to pay {$350.00} for an appraisal and that they " can't take my word that the property is worth what i say it is ''. I pressed them further stating that I can request PMI removal per federal law after I met 80 % of the ORIGINAL appraised amount and they still said they couldn't take my word for it. I refuse to pay {$350.00} to save {$41.00} a month when i have met the 80 % criteria.

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 2018-09-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I received an alert that stated that my account was overdrawn by {$23.00}, plus a overdraft fee of {$34.00}. This transaction was made on XX/XX/XXXX while I was in XXXX, NJ on vacation almost 2 weeks ago and was posted by Chase on XX/XX/XXXX. I called the bank to find out how this overdraft occurred and was told by a Manager that they did not receive the request for payment until XX/XX/XXXX. I do not understand how 2 transactions from XX/XX/XXXX posted then took 11 days according to the Manager to be taken out of my account. My account on XX/XX/XXXX had a balance of {$150.00} which covered the {$23.00}. 

All other transactions from XX/XX/XXXX - XX/XX/XXXX were payed within 2-3 business days.

Chase is known for holding onto payments and waiting for them to go into overdrawn status so that they can collect recurring overdraft fees of {$34.00} daily until paid. This isn't the first time this has happened and I will be closing my account and going to another bank. I hope if this has happened to anyone else they decide to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I chose to close out my savings account with Capital One, on or about XX/XX/XXXX. As of XX/XX/XXXX, Capital One has not sent the required 1099INT forms as required by law, which must be mailed and/or available by XX/XX/XXXX.. When i called, the representative knew this was an issue, but stated it will be mailed shortly and to give it another 10 business days. 

When i began asking about why it was not mailed, or why i can not access it online, he became rude and hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed numerous things with TransUnion that were in accurate. The reasoning explained Everytime. This company does not ever do anything with my disputes but dismiss them. Or doesn't make any changes when the paper work shows the proof of why I'm disputing. It took for a account to close before they even corrected my pay history, when I was reporting it was incorrect for months. One account steady shows charged off when it's not and the balance even shows I paid in full, yet they still will not removed charged off. This company does not ado anything they should be when it comes to investigation.

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 2020-05-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020,, Contiued Issues,, That Has Not Been Solved Yet,, Mr XXXX XXXX, Which Is The Ceo Of This Company Now,, And I Also Know That,, Mr XXXX XXXX, and Mr , XXXX XXXX Had Got Fired Or Stepped Down From This Mess That They Created,, So I Would Like To Express My Feelings About These Issues,, If You Think That I Like This,, No I Don't,, They Should Be Held Accountable For All This Mess,, This Has Been A Very Long Exprience And Very Upsetting,, Looks Like This Bank Took Money From Me And My Family, And Throw Us Under The Bus And Forgot About Us,, So UnAcceptable Promises,, Old And New!!!,,

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 2020-11-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC obtained a default judgment against me under false pretense. I tried to get it removed but a Judge, not understanding the law, ruled against me. I was absolutely never served, this is not my debt nor has it ever been proven that it is my debt. 
Midland Funding LLC has committed Identity theft in my name. And tax fraud. 
" Attached Documents " Note : I cant find an attorney to take this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back child child support of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX of XXXX, I submitted to XXXX, Transunion and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX  accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.

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 2020-05-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus Equifax, XXXX, and XXXX. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. Equifax, XXXX, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

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 2021-01-28
Company: ACIMA CREDIT, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I GOT A LEASE THROUGH ACIMA CREDXXXX. THEY AGREED TO REMOVE THE ACCOUNT ONCE IT WAS PAID TO SATISFACTION. THE ACCOUNT IS STILL REPORTING 7 CHARGE OFFS. WHICH IS A VIOLATION. THIS ACCOUNT WAS SETTLED AND CLOSED. REPRESENATIVE TOLD ME THIS ACCOUNT WOULD BE REMOVED. THIS ACCOUNT IS STILL BEING REPORTED NEGATIVE ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth financial called me and refuses to send me a bill so I can verify the debt owed. They pressure me to pay over the phone and wont send me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To all parties, My vehicle was repossessed XX/XX/2018.. Right away I called Nissan because I thought it was an error. Once I found out what happened i tried to explain but no one would listen. Yes, i was behind on my payments but in error. Due to my husband filing bankruptcy not me. I assumed my payments were going directly to Nissan but, I found out not during bk can not make auto payments. Right away i asked to reinstate my loan and allow me to pay all payments right away because i had the money and I was immediately turned down. I was told I must pay all XXXX amt owed which I could not do. 

How does this happen??? I work really hard and would just want my vehicle back to continue to pay it off. The Nissan Finance recovery keeps telling me Fl is not a reinstatement state which I found out is completely wrong.Its just Nissan ... Please Help..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent in documentation for the inquiries that are on my report and they are still there on my XXXX  report. My XXXX  report has been corrected and updated. Experian and XXXX  will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.

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 2021-01-28
Company: NAVY FEDERAL CREDIT UNION
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:
I had a deferment on my auto loan from XXXX, but Navy Federal reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with XXXX  and contacted Navy Federal who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with Navy Federal being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with XXXX, but their online service is refusing to take additional information from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation