BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted Bankruptcy Court of public records on my credit file they sent letter ( see attached ) that they do not verify. XXXX  state that it was validated but neither sent me requested information. Or remove items from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX years ago I missed a payment for my student loan. They didn't remind me or tell me that until I made up the arrears I would be charged a late fee. They never told me the whole amount owed so that I could catch up. I have been fighting with them, each time I paid what they said was the current amount owed they still said I had a late fee, even when I paid before it was due. I told them over and over again that I paid on time but they still said the payment was late. They never informed me that they were carrying the missed payment as an arrears and that all the payments after the missed payment would carry a late fee. Over and over again I asked why I was being charged a late fee ; they would never tell me. Finally, XXXX YEARS LATER one of the operators told me that I owed that payment from years before. Thus far I paid {$920.00} in late fees which did not go towards paying down the account. I believe they cheated me by way of omission. I could see if I hadn't asked over and over again about why I was being carried in arrears, but I asked them over and over again about straightening this account out but I believe they deliberately hid this from me. I took out the loan for {$7300.00} on XX/XX/99. I still owe {$6600.00}. I've paid over {$15000.00} which is more than twice what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX XXXX acct # XXXX was closed on XX/XX/XXXX and reported monthly as closed by Consumer monthly but XXXX retaliated against me after XX/XX/XXXX by reporting my account as OPEN in violation of the Facially False Data safeguards set forth by XXXX XXXX Director of CFPB. In addition to many phone calls I wrote the attached secure message to XXXX on XXXX and XXXX responded on XXXX stating that my account was closed as of XX/XX/XXXX. Despite 20 plus phone calls, texts and other disputes, my Experian XXXX  account remains reported on the attached reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as OPEN before the Dispute investigation and OPEN after the non existent required investigation. Kindly disclose any documents and contacts regarding my efforts to get my account reported as closed. How could my closed account be reported as OPEN after reporting it as CLOSED for over 6 months? Experians own data documents monthly reporting my account as closed on XX/XX/XXXX so it has the data to resolve this matter without XXXX involvement. Delete my account permanently.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: TX
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:
Experian fails to complete a reasonable and accurate investigation despite proof of inaccuracies have been pointed out and supporting documents given. I am enclosing our communication and how they are blatantly ignoring the law to report things correctly on my file.

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 2023-05-16
Company: Valor Intelligent Processing, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt is only {$590.00} they unfair raised the price and keep switching collection agency and raising the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since XXXX until today, XXXX XX/XX/XXXX, my Credit Score has been nearly 850 for 2-years. I am a member for 30+ years! 
American Express stopped all unsecured loan applications without a detail explanation to the customers. My account has not received unsecured loan offers since XXXX, so the reason can not be Pandemic related. 
This is unacceptable, as it appears the company is hoarding its cash reserves for undisclosed reasons to the customers. 
Please investigate! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Starting in the year of XXXX I began to have problems with my student loan. At that time they would not allow me to make payments on the loan because they had put a bankruptcy on my account. It took them about a year of me and my mom calling them to get them it figure out that they had put the bankruptcy on the wrong account. The whole time during XXXX, they would not allow us to make payments but continued to charge interest to my loan. Ever since then my payments have been more than what I can make and more than the original agreed upon amount. When I called to try and get a lower payment, they kept telling me that " a forbearance was the only option for me. '' Not knowing that this would increase my payments, I had no choice but to do it in order to get a few months of relief in an attempt to catch up. I would constantly get email notifications from Navient telling me that I had options to lower my monthly payments, but when I called they would just tell me that the forbearance was the only option and they were unable to lower my payments. Recently, about two months ago, I noticed that my account said that my minimum payment was {$0.00}. So, I had assumed that they put a forbearance back on my account, but today I logged on to my account, I noticed that it was still at {$0.00} for the due amount when today should have been when the payment was due. I called Navient to see what was going on with my account and that is when they informed me that my account is on hold do to a law suit that was in progress. They told me that I can still make the payments on the account but the interest will continue to accrue. My loan balance has increased by {$500.00} in the course of two months. I then asked about lowering my monthly payments and he told me that I would n't be able to until XXXX and informed me that once XXXX came, I would need to start making a {$200.00} payment, which again is raising my payment and not lowering it, unless they can lower it for me in XXXX. Due to finances in the home, I can not afford a XXXX XXXX monthly payment nor can I afford to have my loan to continues to increase the way it is, I need monthly payments that are more affordable. I feel like I am being taken advantage of and I can not afford for this loan to keep on increasing, it started at {$12000.00}, and now it is at {$15000.00} plus, even though I have made many payments. If this continues I will be trying to pay this loan off for the rest of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company is not applying my payments correctly. Company has extended my loan to be paid off in XXXX and original paperwork when contract was signed XXXX. Also, I have asked on 2 occasions for a payment history and I have not received it. I also ask for a copy of the original loan contract they have on file so I may see where my terms have changed. I have a copy of it and would love to know what they have on file as they are falsifying information and my signatures as well. This is fraud and at the cost of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Credit Karma, LLC
State: IL
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:
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by Credit Karma, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact Credit Karma since its supposedly a known issue that had reached resolve, so I did, and Credit Karma suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was recently notified ( XX/XX/XXXX) by an employee of HSBC Bank that my checking account has been incurring fees of {$50.00} per month beginning possibly no earlier than XX/XX/XXXX.

After complaining, the bank agreed to reverse 3 months of such fees. This leaves {$200.00} of my funds in the hands of the bank.

The account from which the fees were taken was a zero interest checking account. The bank states that I should have reviewed my bank statements, which I did, but I did not see the charges. The bank stated that they alerted me that the fees would start in an email which I never saw.

The bank also stated that I can open an account without any fees but that requires a lower balance to not incur fees, this I did at least until the fee issue is resolved.

I have had the checking account open since XX/XX/XXXX and was never previously charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and as such, I am requesting that the late payment be removed from my 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 2018-05-23
Company: Experian Information Solutions Inc.
State: MO
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 sent certified mail tracking number XXXX to Experian XXXX. XXXX XXXX XXXX, TX XXXX containing a dispute letter with inaccurate information on my credit report. Experian received my letter on XX/XX/XXXX at XXXX XXXX. I waited for the results which according to the Fair Credit Reporting act the bureau has 30 days to respond with my investigation results. I did not receive any information from the credit bureau. 

I waited until XX/XX/XXXX to check for any results but was met with negative results. 

I then followed up with Experian by sending a certified letter tracking number XXXX on XX/XX/XXXX to the above address which was received on XX/XX/XXXX. 

I have not received any documentation that the letter was received and no information was removed from my credit report. I dont have a copy of the original letter on file but i have a print out of it if the bureau needs to see it to remove the items.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: OH
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 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  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 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 2019-03-28
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing was sold to Shellpoint Mortgage Servicing by XXXX & I received a letter from Shellpoint Mortgage Servicing, ( SMS ), on XX/XX/XXXX informing me that they are my new servicer! On XX/XX/XXXX I received another letter from SMS stating that I was two months behind & had not made my XXXX or XX/XX/ 2019 mortgage payments. When I called SMS I was informed I owed {$2400.00} which included past due payments of XXXX, servicing fee of XXXX, NSFI fee XXXX & an unapplied balance of ( XXXX ) & XXXX  only transferred XXXX dollars for my impound Balance! SMS had placed my account in their loan mitigation department & are attempting collect a debt. I did make my XXXX and XX/XX/2019 payments to XXXX. On XX/XX/ 2019 I emailed, XXXX ' and faxed XXXX XXXX XXXX, SMS a copy of both my mortgage payment checks, front and back, showing that XXXX had cashed my checks. When I called SMS on XX/XX/ 2019 to get an update I was informed the email and fax number incorrect. I emailed & faxed the same information the new information, XXXX & XXXX XXXX XXXX, provided. It has finally been uploaded into SMS 's system! 

Thirty days have been wasted & they won't move my file out of their lost mitigation department to customer service, I was not behind on my mortgage payments! I am not going to make any payment to SMS until they rectify my account. They will not escalate my file or allow me to speak with a manager or supervisor! They will not give me a time frame in which this mess will be resolved! I am being told that they are waiting on XXXX to determine if my payments were made even though I have given them indisputable evidence that XXXX received & cashed my mortgage payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Bank called and informed me they wanted to close my account due to too many claimsand too many debit card replacements. After contacting them to dispute this I was screamed at and was treated to several abusive tirades

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 2023-03-10
Company: Affirm Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I previously reported a complaint via CFPB to Affirm Inc. regarding my account. There is a 30 day late mark on my credit report that I was told would be updated on my report to no longer reflect the 30 day mark due to miscommunication from their agents. I was told that the update would take 30 days to update on my report. Its been longer than 30 days. I want the late mark removed from my credit report as soon as possible. The previous complaint ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Other

Complaint:
There is a inquiry on my credit report for Jcp I have not inquired for Jcp and I live in XXXX not XXXX not sure who did that but that one is not me and should not be on there and would like you to look into that and release it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXX I purchased workout equipment on a website ( XXXX ) I found via XXXX banner and purchased with my Chase Bonvoy card. Soon thereafter I realized the website was fraudulent and tried to email and call the company but no response. I also went to their website to initiate online communication and had no response over 10 times. 

XX/XX/XXXX I contacted Chase customer service to file a dispute and they instructed me that I needed to wait the charge went from pending to cleared. 

XX/XX/XXXX Called chase dispute phone number and they would not process a dispute and told me I needed to call back in 15 days. In addition I waited over 15 min to get ahold of someone. I repeatedly told them I did not want to wait 15 days and the representative told me to wait 15 days. 

I feel strongly based upon the tone and actions of Chase that they are discouraging me to make a dispute and find an adequate action to recoup the {$440.00} I was fraudulently charged. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: NATIONWIDE ACCEPTANCE LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Although I know that I am in collections, this company calls me more than 7 times daily. When they call and I am not able to talk they get very ugly and sayu mean things to me as well as threaten me. THis company even refused to give me a payoff amount and tried to force me to pay money before giving me a payoff to pay them off through a trade in. I was refused service, but then they turned around and released it to someone that I did not authorize them to do so. This company forced me into a deferment for COVID -19 and then added four months to back en of my loan ... .then mysteriously I now owe  late fees that equal to monthly payments although I had no late fees at all when the pandemic hit. THey will lie and state that this is not what I was being told by their reps ; however, I started recording my calls with them because they have the reputation of not being honest about what they are telling the consumers. My deceased mother has been talked about negatively by a rep and I have been called several liars about the health status of my XXXX brother who I was caring for after a XXXX. I was threatened that " I would be walking and they are picking my car up since I am acting like I am at work and cant talk right now. '' When the rep talked negatively about my deceased mother and retalited, I was told that they were picking up my car because I was being nasty to the rep ... they completely ignored that my dead mother was talked about on the call. This bank is truly a r complete rip off

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 2023-06-07
Company: EQUIFAX, INC.
State: MD
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:
Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX Amount : {$630.00} Collection Company - XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.

Company response to consumer: Closed with explanation