BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.  XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX   XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/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 2018-09-04
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: Old information reappears or never goes away

Complaint:
XX/XX/2018 I contacted Equifax regarding my XXXX Account & XXXX XXXX XXXX XXXX XXXX Visa advising that my payments and past due on these accounts were not reported correctly. 

I advised on my XXXX Account XX/XX/18 the past due on my account was removed due to SCRA 8-7-18 and was reversed and put on my CBR on XX/XX/18 and made them aware of it and still hasn't been removed as of XX/XX/18 XXXX XXXX XXXX Visa Account same thing reported as payment posted and reversed as well. 

On XX/XX/18 I received notification from XXXX XXXX per Equifax that over 30+ accounts were removed from my credit report and my score increase XXXX points I've included copies of the reports payment postings and notifications I've brought the continued errors to your attention that the Credit Reporting Agencies are not reporting our information correctly and reversing out information how much more information do you need to receive in order to look into the business practices of the reporting agencies. Consumers shouldn't have to deal with this anymore you advised me in the past that on the back end there is investigators that look into this type of issues and you advised your just a middle man to get results. When they don't respond. When is there going to be accountability on how the 3rd party reporting agencies going to be held accountable for reporting our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: JPMORGAN CHASE & CO.
State: NC
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 PULLED MY CREDIT FILE BACK IN XX/XX/2018 AND SEEN SEVERAL ITEMS ON IT THAT WERE NOT MINE, I CALLED THE CREDIT UNION DIRECTLY AND THEY WERE NO HELP AT ALL, I CALLED XXXX  AND XXXX, XXXX AND FILED A DISPUTED WITH THEM AND EVERYTHING CAME OFF EXCEPT XXXX. I CALLED AND TALKED TO THE FRAUD DISPUTE TEAM AND EVEN FAXED IN MY POLICE REPORT AND THEY STATED TO ME IT WILL COME OFF ASAP AND THE ACCOUNTS WILL BE BLOCKED. NEVER HAPPENED AND NOW MY HOME LENDER IS CALLING MY HOME NOTE IN DUE TO THIS PROBLEM. NOW THERES ADDRESS IN SOUTH CAROLINA POPPING UP ON MY FILE WITH XXXX. I CALL DAILEY BUT NO HELP. I HAVE ATTACHED MY UPDATED POLICE REPORT THATS BEEN VERIFIED WITH THE OFFICE OF THE CONSUMER AFFAIRS. PLEASE HELP OR I'LL SEEK LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
BMW I took over a lease and BMW did not disclose the TAX that would be assessed. The original Lessor paid the entire tax at the start of the lease.

I took the lease over so as to save money on deposits and tax charges.

BMW advise that once I assume the vehicle I would just continue to make the monthly payments.

I received a bill for {$700.00}. BMW has yet to provide any paperwork reflecting the TAX charges. When I spoke to the BMW supervisor I advised him that I have assumed many cares in the past and have never paid the tax, When asked why BMW didnt disclose this information when signing the lease assumption? His reply was '' we didn't know how much tax would be charged ''. 

With the original lease the entire breakdown of the charges including the tax was listed. One my lease assumption for it had the only mention of charges for Registration, Tax, Insurance etc. When reading the paperwork it suggests the tax on REGISTRATION.

I demanded the {$700.00} be rescinded since it was not disclosed. The BMW rep advised that if I did not pay it I would be placed in collections. I paid the {$700.00} and demanded a Supervisors call back. To date no return calls were received. When call back to check the status of the call back, The reply was no one will call since there is nothing to discuss. 

Please look into the matter. If need be I have full recordings of the conversation and all paperwork. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Last year I asked Granite State Management to provide proof of the loans I took out and blocked payments until the provided proof. They provided only two or three things and not a complete list of my loans for which they are taking payments from me. This is by no means sufficient evidence but to keep myself out of trouble I removed the block from my bank account on XXXX XX/XX/2018 so they could resume payments. They did not take a payment for XXXX but they did take a payment for XXXX, which formally cleared XXXX XX/XX/2018. They have not taken a payment since, despite there being money in my account for my loan payments every month. They send unsolicited links to " information about my refusal to pay my loans '' even though I told them that unsolicited links are dangerous and I will not risk my personal information that way. Send snail mail please. They refuse and still send links, accusing me of failing to pay but click their link anyway. I've responded before but now they have blocked all of my emails, including their general info email listed on their website. XXXX is also harassing me now about my supposed failure to pay when I know for a fact that Granite State is just not even trying to take my payments. I verified with my bank that the last payment they took cleared XXXX XX/XX/2018 but they haven't even tried to take a payment since then. They said that GSMR can give me trace numbers they can look up and I tried to ask GMSR for that info but as I said they have blocked all emails from me. You can see where there were no delivery failures to my responses to failures, despite using a general info address. It really seems that GSMR is trying to default me when I could have been paying this whole time. They are not taking the payments they are supposed to take every month and as I said my bank verified that they aren't even trying anymore. I feel that they are targeting me and harassing me and deliberately trying to damage my credit, increase the interest amounts, and hurt my chances of going back to school all because I had the audacity to demand proof of the loans for which they are charging me. They know that the block was removed considering the successful payment they requested and received XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SYNCHRONY FINANCIAL
State: NY
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:
XXXX/XXXX  has a hard inquiry on my XXXX credit report on XX/XX/XXXX that I do not recognize.

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 2019-02-21
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 I sent certified letters to XXXX XXXX for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with XXXX and Equifax and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for XXXX to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX Hurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when XXXX happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SYNCHRONY FINANCIAL
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 have a loan with SYNCB/XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2018-09-04
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I contacted Chase because they put thru a {$31.00} charge after I had paid for a stop payment. I was informed that I had to place a stop on ACH transactions as well. I was informed of this on XX/XX/XXXX and not prior to this date when i placed the stop payment in XXXX. It sbould be mentioned that the merchant obtained my bank account information without mybpermisdion. I expressed this concern to Chase. I also mentioned the merchant charged my Chase account and the new card I placed on file with the merchant, XX/XX/XXXX transaction on screenshot attached. I was asked to fax or mail my proof of the duplicate transactions. I was provided case number XXXX, fax number XXXX and and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I went to my local library and faxed the required documents. I faxed again on XX/XX/XXXX and XX/XX/XXXXafter receiving emails stating more information was needed on my claim. Today XX/XX/XXXX I receive an alert that my account was overdrawn. When I checked Chase has reversed the provisional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was trying to get a consolidation loan due to too many loans and credit cards maxed out from the divorce I am in the middle of. On the evening of XX/XX/XXXX I got a call back from the loan place and they asked me to buy a card to give them the number I could only assume to get their money back and then cancel payment so they make a profit. Well I then call capital one and tell them I think that payment was a scam and I dont want to be in trouble for it. Fraud depo said of course no worries we will help you. I ask them to verify the account or just stop payment and they said they could stop it or verify the account due to it being the weekend now. I was advised to call back on mon XX/XX/XXXX. Well I did and I was told there is nothing that can be done and he couldnt verify the account but assured me I was not going to be held accountable. Well they then froze my cards and the next day closed both my accounts. I have been a good customer for almost 2 years and always paid on time and usually was always at least twice the minimum payment. I asked why they closed my account and they said because i had 4 returned payments during the life of the acct and I said how is the last one my fault I even told you it was fake then you punish me even after I pay extra to make an XXXX   payment to make sure I still get my bill paid on time cuz I didnt know if I was gon na get a late payment charge since I knew it was gon na bounce back. I read the entire terms and conditions and I did not read anywhere that if I had 4 returned payments that I was in acct default and my accts would be closed. I feel treated unfair due to I told them about the bad payment and made the right one thr next day and they still closed me and I can not get them reopened. Now my oldest credit card accts are closed for no good reason with 100 % on time payments and its hurting my credit score now. Not right I did everything I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up of my CFPB complaint XXXX because it was closed after the company responded but the company only addressed partial issues and lied again in the response. 

1. Though Statebridge Company did corrected my mortgage rate and cancelled my escrow account, they did not provide a legitimate explanation why they secretly increased my mortgage rate and lied about it again and again ( in other words, they were stealing money from the customer intentionally ) and why they changed the escrow term when the service was transferred to them. Instead, they simply lied in the response stating that the rate increase did not happen. Federal regulations require them to provide explanations AND solve issues in 30 days. This was yet another violation of the Federal regulation. The next step may have to be taking legal actions against them.

2. They did not respond to my request to recalculate my account balance history by applying the extra escrow charge each month to the principle, and did not provide the compensation I requested due to their criminal and fraud action to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I was encashing my paycheck, as always been the case, with Bank of America branch. I have no problem before until now. An XXXX XXXX XXXX Manager 2 of Bank of America at XXXX XXXX XXXX XXXX, CA XXXX, refused to encashed my check. I showed them my paystub and the check but I was met with racism, arrogance and when I said I was going to complain for the treatment, and when I asked for his name, I was shouted of which the whole branch would hear literally. I was met with sarcasm and threat! This person is XXXX XXXX. He mocked my XXXX and belittle me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Specialized Loan Servicing Holdings LLC
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:
Specialized Loan Servicing ( SLS ) incorrectly reported an account as delinquent for the XX/XX/XXXX payment. I contacted SLS and asked for the credit reporting error to be fixed. Twice it has been fixed only to reappear as a delinquent payment. I have a letter from SLS acknowledging the error and promising to correct the reporting. The XX/XX/XXXX payment once again appears as an error. Is there recourse against SLS for repeated credit reporting errors? Please help me to get this fixed once and for all.

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 2020-06-30
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:
This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, 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 2019-09-03
Company: AMERICAN EXPRESS COMPANY
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company did not put the {$1000.00} credit card cap on the blue american express for the second card holder under my account. {$1000.00} is the cap that applies to my blue american express card at the time I applied for it and till the day it closed. Per the agreement with american express, this should have been the cap on the second card holder 's card as well. I did contact american express multiple times to ask them to enforce this cap. They did not and the second card holder was able to spend more than {$10000.00} on his card In addition, American express charged close to {$10000.00} in interest from the time the second card holder received his card to the day American express closed the account. I always pay my card in full so none of this interest is associated with my card. Now, American express wants me to pay the full amount plus interest for the second card holder 's card.This has affected my credit score since I did not anticipate this and I don't have the cash to pay it in full. Meanwhile, the interest fees keep piling up.

Company response to consumer: Closed with explanation