BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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:
I have sent in disputes to the bureaus and I havent received any reports back from XXXX XXXX or equfax and the accounts are still there. XXXX sent one in XX/XX/XXXX, but when asked for how they verified i never heard a response. I have sent in 3 disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and still nothing. These accounts are not of my knowledge and dont know who they belong to but not me. I have received nothing from the creditors or bureaus I have included copy of letters sent to all 3 bureaus each time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.

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 2021-05-18
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged a " minimum interest charge '' on my account even though I paid the entire amount ( actually rounded up I paid above the full amount ) onXX/XX/XXXX when the due date wasXX/XX/XXXX. I paid my account above in full 22 days early and I am still being charged some fee called " minimum interest charge ''. Additionally, there is not even a bill created that shows this fee. I am attaching screen prints of my transactions, statement balance and proof of no statement. This bank, Comenity, is in the wrong. Additionally, their customer service has disconnected me twice while trying to resolve this issue and have this illegitimate fee removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: MD
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:
In 2009 tried to reduce the interest on the Sallie Mae/Navient consolidated loan to the rate being charged on student loans and was told that because it was a consolidated loan the interest rate of 9 % could not be lowered to the federal student loan rate, at that time approximately 3 %. Now the current rate f.or federal student loans is 6 %. Navient, a private loan company, is getting rich off of federal student loans that it keeps at a high rate of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: UT
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:
A fraudulent account from XXXX / XXXX XXXX  XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Shellpoint Partners, LLC
State: MA
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:
NEW RES-SHELLPOINT MTG Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hello CFPB, I have tried to contact American Express Serve a number of times to cancel an American Express Serve Card and have lost the card and don't have the PIN. I am unable to login or recover access to the online account and without the PIN the phone number automatically disconnects the phone line. Furthermore the corporate Amex line doesn't have access to the records of the Serve subsidiary and is unable or unwilling to help. I've also tried tweeting American Express. This has occurred from XX/XX/XXXX to XX/XX/XXXX. The account has a XXXX dollar balance and I simply want the account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/2021 a purchase was made from XXXX in the amount of {$430.00} and financed using Affirm. The purchase was received and returned to XXXX. XX/XX/2021 XXXX issued a refund for {$110.00} and XX/XX/2021 for the amount of {$79.00}. After noticing a overdue balance with my affirm account For the amount of {$140.00}. I contacted XXXX. After numerous calls wayfair was able to locate and correct the issues. Then I checked my affirm account again and realized that I still have an overdue balance. I have contacted Affirm numerous times and spoke to supervisors I even sent Affirm a statement provided to me by XXXX and my account still shows an overdue Balance. On XX/XX/2021, XXXX called me to check on this issue and after I explained to her the issue still exists she called affirm with me on the line and a supervisor told her there is still an overdue balance. We couldn't believe it even with the statement from XXXX Affirm is still saying I owe money. Not to mention the emails I get from affirm stating my account is overdue is stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions Inc.
State: UT
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:
A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper 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 2021-05-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an email from Mr. Cooper Mortgage Lender letting me know that my home loan from XXXX XXXX had been transferred to Mr. Cooper effective XX/XX/XXXX. The email itself contained a sentence in bold letters that read, Rest assured, the terms of you loan remain the same. The terms of my loan, when it was transferred to Mr. Cooper was to have Fixed Interest, no Escrow Account and no Homeowner 's Insurance. 

In XX/XX/XXXX, I received a letter from Mr. Cooper saying that I owed my homeowners insurance. On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own insurance. 

On XX/XX/XXXX, I received a letter from Mr. Cooper saying that there was a twenty-eight-cent shortage on my escrow account and starting XX/XX/XXXX my New Mortgage Payment would increase by ten-cents. 

On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own property taxes however they couldnt help me over the phone? I was asked to email the Escrow Specialist at XXXX On XX/XX/XXXX, I emailed the above link, I explained the situation and asked to have the new projected escrow removed ( it's been over 30 days and I haven't heard back from them ). 

I recognize that a ten-cent difference on my mortgage is pennies on the dollar. Non the less, Mr. Cooper Mortgage Lender is breaking the terms of my loan regardless of the amount. I don't owe that mortgage company a penny more that what the terms of my loan are. If this mortgage company can break the terms on the loan of person who Does Not have an escrow account, it make me wonder how much more they are charging customer who Do Have an escrow account? 

In XXXX, California Attorney General XXXX XXXX reached a settlement against Nationstar Mortgage, which does business as Mr. Cooper because the mortgage servicer engaged in unlawful practices. Loan modifications was among the unlawful practices. This settlement was supposed to send a strong message that excessive fee or the harmful practices were not going to be tolerated. Im not sure that Mr. Cooper Mortgage Lender has changed their ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 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 2021-10-19
Company: Great American Finance Co
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My intent to file a complaint against Great American Finance Holdings, LLCs ( GAFH ) due to the inaccuracy of my credit statement balance based on a promotional purchase at XXXX XXXX XXXX on XX/XX/XXXX. The statement balance reflects monthly interest charges that should not be applied until XX/XX/XXXX. On XX/XX/XXXX, I reviewed my statement balance which included an interest charge of {$46.00}. It was my understanding at the time of purchase that the promotional period included 12-months with no interest. On this same day, I called GAFH speaking with a representative to attempt to clarify or resolve. The representative informed me that the amount in GAFHs records reflected the interest free period with an amount of approximately {$2300.00}, which was different than the amount on my statement {$2400.00}. Based on my statement, GAFH is breaching the promotional period with indicating a balance that included the interest charge into the new balance. GAFHs practice may inadvertently and unintentionally cause consumer overpayment due to a violation of agreed upon promotional term conditions. This oversight may appear that GAFH engages in predatory lending practices. As of XXXX XXXX, I have received no response from GAFH LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: GREAT WESTERN BANCORP, INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have twice tried to make a change to one of my accounts with Great Western Bank. I need to change my money market account ending in XXXX to their " Basic Savings '' savings account. 

I originally made this request on XX/XX/18 by secure message while logged into my Great Western Bank profile. I received a response from the bank that my request would not be accommodated and was instructed to either visit a branch location or call their customer service number by phone. 

I next tried to make this change by calling their customer service number on XX/XX/18. I was told my request to make this change would not be accommodated and that I needed to visit a branch. 

I bank online. I am a XXXX XXXX. I work Monday-Friday from roughly XXXX XXXX until XXXX XXXX. I do not have access to a Great Western Bank physical branch because I can not visit a branch during my work hours. Great Western Bank is not open on weekends and is not open beyond my work hours Monday-Friday. I opened my accounts online and bank online exclusively. 

I have made a reasonable request to the bank. I asked the bank to change my money market account to a savings account. They twice refused this request even though my identity was confirmed.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 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 2020-04-29
Company: Experian Information Solutions Inc.
State: TN
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:
These accounts are fraudulent and inaccurate on my credit profile

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 2021-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent Receive any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CITIBANK, N.A.
State: TX
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:
WE WERE SCAMMED BY A COMPANY CALLED XXXX XXXX BACK IN 2011. WE PAID THEM {$500.00} XXXX AND {$490.00} XXXX. THIS COMPANY TOOK ADVANTAGE OF US AS SENIOR CITIZENS. THEY DID NOTHING FOR US AND REFUSE TO REFUND THE MONEY WE PAID.WE TRIED TO GET THIS MONEY REFUNDED BY OUR CREDIT CARD COMPANY AND THEY HAVE DENIED THE FRAUD CHARGE.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: AR
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:
Earlier this month I submitted a Identity theft report to all three of the major consumer reporting agencies in regards to several, inaccurate fraud related accounts reporting on my credit file. Along with my Ftc report I included a copy of my drivers license as well as my social security card. In ADDITION with my report, I included a personal information request which included my correct name, social security number, current address, and correct phone number. As of today I received a letter from EXPERIAN # XXXX dated XXXX stating that " We are requesting additional information that I must provide in order for us to act upon your request. " If I still wish to have this information blocked, please submit a identity theft report without the deficiencies noted at the end of this letter. '' EXPERIAN is basically asking me to submit all of the information that I've already submitted and this is nothing more than automated stall tactic which coincidentally violates my rights under the FCRA. Accounts that were included with my federal trade commission report was US Dept ED # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX at XXXX # XXXX & XXXX XXXX XXXX  XXXX. Can you please have EXPERIAN explain this response. I have attached a copy of my identity report to support my claim. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: TX
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:
equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

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