BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2020-10-16
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:
I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, Date:XX/XX/XXXX, XX/XX/XXXXAccount : XXXX Amount : {$0.00}, Equifax Account : XXXX Amount : XXXX XXXX  Account : XXXX Amount XXXX .This account is not mine XXXX XXXX XXXX  Date XXXX XX/XX/XXXX, XXXX   Account:XXXX : Amount XXXX {$1000.00}, Equifax Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Friday around noon I called to make a payment on my mortgage of {$1000.00} as I can not do any payments yet online they report and cant do them in the branch as they have not sent me some special coupon nor closing day copy of the mortgage from the XXXX of LAST month. 

The {$1000.00} came out of checking and not into the balance that interest is collecting on. Nor on the balance that is due by end of the month that is now being told to pay up. 

Where is the {$1000.00} that was in my Huntington checking to my Huntington mortgage!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: CarMax, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I tried to login into my online banking account with BMO Harris. During this process I noticed that the HTTP request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called BMO Harris and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.

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 2018-07-19
Company: Experian Information Solutions Inc.
State: SC
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 called credit bureaus to dispute inquiries and they said I need to contact companies. I dont know companies and did not apply for credit

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 2018-08-20
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I visited the Speedy Cash located at XXXX/XXXX and I requested a payday loan in the amount {$850.00}. I tried to pay this amount with a loan from the company I work for and they refuse to give Goodwill the XXXX so the check could be issued. Speedy cash is taking {$210.00} dollars every two weeks from XX/XX/XXXX until XX/XX/XXXX. Which means I will be paying {$2500.00}. This is outrageous. I dont make that much money, this was not explained to me, and clearly constitutes predatory lending. I am ok paying a razonable interest amount, but what they are charging me more than 3 times what they lend me. Please help me to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: CT
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 contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.

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 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I am attaching a credit report from XXXX XXXX XXXX my lender is using for a mortgage loan I am in escrow for. Capital One / XXXX XXXX XXXX is showing 90 day late delinquencies in late XX/XX/XXXX and early XX/XX/XXXX that are unequivocally false and incorrect. I was not late at all during those times, in fact, the account has been charge-off since XX/XX/XXXX. Their ca n't possibly be lates after an account has been charged-off. 

I am in a dire situation as my mortgage process is completely on hold until I clarify the error, and prove to my lender that the 90-day lates reporting are absolutely incorrect and did not occur on the dates reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On or about XX/XX/18 I make a cease and decease letter to XXXX XXXX , XXXX Assignee of Santander Consumer USA , INC and to Santander Consumer USA, INC in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe XXXX XXXX XXXX XXXX anything they brought this debt and my account with Santander is closed. 

Can you please assist me further with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my final bill to Citibank for credit card debt that they claim was received two days late. I claim it was not. In any case, they have been charging me {$35.00} a month plus interest and the total debt now is {$150.00} and I tried to speak rationally with them and they would not have it.

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 2020-10-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX i noticed a XXXX ACH charge on my checking account I disputed the charge on line and called the Sun Trust customer service line. I inquired regarding the charge and was told it was a over annual over draft charge for a line of credit acct i had with Sun Trust. I have never paid a XXXX fee before and the account had a XXXX balance. I was told by the CSR that the charge would be credited to my account and at that time i told the CSR i dont use the account  to close it. I thought the issue was resolved. On XX/XX/XXXX i was notified by XXXX XXXX that a change was being reported on my credit file. I called Suntrust and disputed the charge and reporting and i contacted all ( 3 ) credit reporting agencies. I called Suntrust  XX/XX/XXXX and got no results and was told sorry for your luck. I visited the local branch and spoke to XXXX XXXX and she called several divisions trying to resolve the issue. I was contacted by Sun Trust today XX/XX/XXXX and was told that they will not make any changes because i disputed the charges that due to fair credit reporting guidelines that the account is being reported correctly. This has impacted my credit rating by 100 points and dropped my score  from XXXX to 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 2022-10-26
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I went into the Navy Federal Credit Union ( NFCU ) branch located at XXXX XXXX XXXX, XXXX, VA XXXX. I saw a teller to make a couple of transactions. I was paying some bills with the funds coming out of my checking account. I told the teller that I was making a payment of {$100.00} to my credit card and a {$100.00} payment to my personal loan. I told the teller that I wanted to pay my car note but that I was not sure of what the exact amount The teller proceeded to look up the amount that is due and also made it a point to let me know that my car loan was paid up until XX/XX/XXXX and I told her that I was aware and that I was making XX/XX/XXXX 's payment. The teller said ok. At the end of the transaction the teller gave me three slips showing that a payment was made to three accounts but the receipts do not say which account so I thought that everything was done and done  properly. It was not until XX/XX/XXXX around XXXX XXXX  that I realized there was an error because I had received and notification that there was a change on my credit report. So I proceeded to look at my credit report to see what the change was it said that my balance had increased by {$77.00} in interest due to a missed payment. I then reached out to NFCU around XXXX XXXX  to address had been posted to my credit report and it was at that time that it was discovered that the teller had taken my car payment and applied it to the wrong account. The teller told me that they could reverse the payment to the wrong account and apply it to the proper account. I explained to the customer service representative ( CSR ) that the account that my car note had been applied to was now closed because it was paid off. The CSR then told me that I could just make another payment it I wanted to but that since my auto loan was paid up for months in advance that it really would not affect my credit. I explained to the CSR that if that were true then I would not have gotten a notification that there was a change in my credit status. I have tried to speaking with a supervisor and was not able to get any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was refinanced on XX/XX/XXXX from M & T Bank. Every year I would send my mortgage company my tax bill as instructed to be paid. I did not send them my bill as I knew I was going to pay off the mortgage. M & T ended up taking money out of my escrow to pay my taxes on XX/XX/XXXX {$5400.00} even though they knew they were going to get paid off. My new mortgage company paid the taxes on XX/XX/XXXX and my tax collected received the payment from M & T on XX/XX/XXXX and mailed the check back to the address from which it came. I was told by M & T that this was done by wire and that it had to be researched and that I would need to call back in 30 days! I told the agent the my tax collected received a CHECK and that it should be cancelled and a new one reissued to me ASAP and they said that is not how they do things. I called back on XX/XX/XXXX and was told to call back tomorrow as that would be 30 days ... .I called on XX/XX/XXXX and they said they received the CHECK back and that they will be reissuing the check and it could take another 2 weeks ( I still have my account with M & T ). I am very upset as they have been  able to hold my funds for 60 days now with no recourse or plan of action.

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 monetary relief
Consumer complaint received 2020-07-19
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is in regards to Synchrony Bank Belk Ceedit Card. I made a two purchases on XX/XX/2020. I initially wasnt getting any bills. Once I remedied that issue, i paid the account. The payment was applied to the wrong account. I paid tha account in full. I continued to re eive bills for the ammounts of XXXX and XXXX but now with interest added. After numerous calls, which they have documented, i got a refund and a Notice of Right To Cure Default in XX/XX/2020. I continued to receive bills with the same billingand made more calls into XX/XX/2020 when I was told i had no other issue. I now have received email noticea that i now owe XXXX. Please assist me in getting this issue cleared up and make sure my credit score has been affected.

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 2020-10-16
Company: WSFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lien Removal not recorded after refinance. My parents refinanced our house over 10 yea
rs ago from XXXX XXXX XXXX  to XXXX XXXX, and the balance from XXXX XXXX XXXX  was paid off as part of the refinance. However, XXXX XXXX never removed the lien with the county. So when my parents deeded the house to me and I tried to sell it, the escrow company is withholding the proceeds due to this unrecorded paid-off lien.

I contacted WSFS Bank who acquired XXXX XXXX XXXX  over the phone multiple times and faxed the documentation on XX/XX/2020. Their response has consistently been that they don't even have this loan on their system and they needed to research it more. And since this loan was not on their system, they could not issue a " case number '' to keep track of this inquiry. So every time we contact them, they have to restart and " look into it '' again and again. 

My complaint is that this lender ( XXXX XXXX XXXX, and successor, WSFS Bank ) failed to record the lien removal for over 10 years and is causing lost of income/interest from the proceeds from  the sale of the house ( sold in XX/XX/2020 ).

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 2020-10-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a certified letter ( tracking XXXX ) via USPS mail LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC. XXXX on XX/XX/2020 req

uesting VALIDATION not verification on a debt they say I owe to them. The letter was in fact was delivered and signed for. I have received NO RESPONSE at all regarding this matter. I neither affirm nor deny that I owe this debt and under the Fair Debt Collection practices I am entitled to receive validation and other information I have requested in my letter to them for this debt that they have reported to all 3 credit bureaus.
They currently sit with a little over XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and over XXXX with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a derogatory mark on my credit score from rapid cash LLC. During that time I was going through financial hardship from job loss. The interest rate that was applied to this loan was too much for me to pay at the time and it took a while for me to get back into the workforce and now I have not been able to get a hold of them in order to resolve this issue. I would like to be forgiven the negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Webcollex, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I tried to pay this debt my card was ran and then they reversed the payment. They then continued to call me telling they didn't have the payment. I asked them to stop thinking it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was paying Navient mounthly. all of a sudden they no longer contract me for payment ; that was 2 years ago. Then XX/XX/2018 I recieved a bill from XXXX XXXX XXXX XXXX. Which is a collection agency. I had prior notification that the loan was bring sent to XXXX. When I called Nevient, they new nothing about XXXX. they gave me a phone number that was for account information. when i call them they informed me that the account was sent there. I ask them why i never recieved a notice.and why I wasn't informed about the account bring sent to collection and why it took tab

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Charging me XXXX dollars for not having money on my bank account I recently lost my job and my account dipped below XXXX for a day and I was charged making it hard to make ends meet XXXX they ( TD bank ) are blocking me from using 3rd party apps from accessing my financial information MY INFORMATION

Company response to consumer: Closed with monetary relief