BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Discover Bank - XXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to Discover once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with Discover even though I was the victim. Discover is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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:
I have two accounts listed with XXXX XXXX I was promised a delete of these two accounts according to the phone conversations upon paying these and in the letters attached one is for XXXX, I I believe the other is for the other account they said they would completely delete they did not they posted to XXXX balance and their letter didn't state that as I never owed them they bought this debt as I was on XXXX and paid as soon as I could. I need it it off my report as promised. it states this in the third paragraph that it will be 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 non-monetary relief
Consumer complaint received 2017-12-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification. 
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me. 
Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.

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 2023-01-26
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is about the middle class tax refund debt card I activated on XXXX I used it on XXXX charge was {$14.00} at XXXX XXXX XXXX then someone had stoked my credit card number and pin # I have the card with me the person that stoked my card number used it XXXX time from XXXX to XXXX XXXX 5 transaction total of {$290.00} in a 7 min at a XXXX gas station in XXXX  gardens than used XXXX XXXX XXXX time XXXX XXXX XXXX XXXX XXXX XXXX CA for {$25.00} then used it on XXXX time XXXX rite aid XXXX XXXX CA for {$5.00} now I never used my card at all these places

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 2021-05-06
Company: 21ST MORTGAGE CORP.
State: AL
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:
21st Mortgage Corp reports inaccurate information to my credit reports on XXXX XXXX and XXXX. 21st Mortgage Corp 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, 21st Mortgage Corp would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. 21st Mortgage Corp did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from 21st Mortgage Corp with XXXX XXXX, and XXXX 21st Mortgage and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and XXXX should have deleted the account from Mortgage 21st Corp due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. 21st Mortgage Corp has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX County Property Taxes website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for 21st Mortgage Corp. from my XXXX XXXX XXXX  credit report. 21st Mortgage Corp. provides three different contact addresses to XXXX, XXXX, & XXXX. The ledger balances from my XXXX, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the 21st Mortgage Corp account with XXXX, XXXX, and XXXX  it will show that the three bureaus, along with 21st Mortgage Corp just updated with more inaccurate information- Instead of removing the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NC
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 : XXXXXXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Both Bank of America and XXXX as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.

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 2019-03-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: MORGAN STANLEY & CO. LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to Morgan Stanley LLC effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.

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 2021-11-04
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am writing this complaint because I am not comfortable with the way I am being handled as a consumer and a Natural person. Per my request to Santander Consumer USA I advised them in writing that I was mislead and mistreated on the day I purchased my dream car with a out of state dealership. I notified Santander in writing and sent the notice by certified mail which was signed for ; expressing my concerns with their company. The contract took effect on XX/XX/2021 and I have been struggling with this complaint since! I spoke with a representative due to a returned XXXX on XX/XX/2021 a whole month later! She advised me that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call today XX/XX/2021 by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Santander is in violation of is 15 USC 1662 Which states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. When this vehicle was advertised for sale there was no advertisement of a down payment, the down payment that was put down on the car was what the finance company forced me to place a down payment before taking possession of the vehicle. The rep advised me this was NOT against the law which is incorrect!

15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing.

At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind was also not provided to me in writing or verbally I am demanding this contract to be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.

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 2020-05-29
Company: EQUIFAX, INC.
State: TN
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 reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of the incorrect items on my credit report and it has been well over 30 days. And I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions 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 the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2022-08-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My Personal information is clearly not recognized in most systems because i can barely open a regular checking account to deposit my work checks. I don't know why this is happening but it is becoming a big problem for me due to the fact that i am trying t make a living and the constant failures for systems to pick up my info is making things difficult for 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 2023-02-20
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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 the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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