BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Didnt know of this card when it showed on my credit report.. I took care of the debt anyway..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Bank of America ( BOA ) wants me to pay an additional {$630.00} before they will pay off my home mortgage. 

XXXX - I phoned BOA property department to get a payoff amount for my mortgage account # XXXX good until XX/XX/XXXX. The amount given was {$37000.00}. The rep stated he could not send me a payoff statement because the computers were being updated ; he instructed me what to do and where to send my payment. 

XXXX2020 - I mailed Check # XXXX in the amount of {$37000.00} to BOA for payoff of my mortgage. 

XXXX2020 - My bank statement shows BOA took the {$37000.00} from my bank account. 

XXXX2020 - I received the monthly statement for XX/XX/2020 with a payment of {$630.00} due, despite a XXXX  balance in my principal balance and accrued interest columns, and the {$37000.00} was identified as " Unapplied Funds. '' I immediately called BOA to inquire why I did not receive a letter stating my mortgage is paid in full and all necessary procedures are being completed. The rep named XXXX stated she would correctly apply the funds and to disregard the XX/XX/2020 statement. She stated it would take 30 days to receive my letter of fulfillment and the escrow balance will be sent shortly thereafter, along with the lien release to the county. 

XXXX2020 - No letter of fulfillment received ; however, I did receive another monthly statement for the now past due mortgage payment. 

XXXX2020 - No letter of fulfillment received ; and I received another monthly statement for the now two months past due mortgage payment. 

XXXX2020 - I received a call from XXXX rep XXXX regarding the " missed payment '' of {$630.00} at BOA. I explained my issue the XXXX and she stated she will contact BOA for intervention. 

XXXX2020 - No letter of fulfillment received ; the monthly statement keeps coming! 

XXXX2020 - BOA supervisor XXXX or XXXX XXXX phoned me about the error in applying my payoff and stated that research is needed and she would phone me XX/XX/2020 at XXXX CST with results. No direct phone number given to me for contact. 

XXXX2020 - No phone call received!! No way to contact supervisor directly. 

XXXX2020 - I received a payoff statement for {$630.00} for my mortgage!! I phoned BOA, placed on hold. I then phoned XXXX rep XXXX and left message. XXXX responded ad gave me the number to Consume Financial Protection Office. 

.

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 2018-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not Experian have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-09-08
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a check through edeposit. Twice. BOTH submissions had the endorsement VERY CLEARLY WRITTEN. These imbeciles denied the deposit BOTH TIMES due to the endorsement being missing even though it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
It's been 30 days since I submitted a CFBP complaint on XX/XX/2023. Experian has violated FCRA RULE 15 USC 1681. IT'S Now BEEN MORE THAN 30 DAYS.. EXPERIAN HAS NOT RESPONDED TO MY COMPLAINT.

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 2021-09-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My house appraisal is at 250k+.i owe XXXX on my house, Still PennyMac insists on charging me for mortgage insurance.I want mortgage insurance canceled since i have 120k+ equity in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITI CARDS CBNA Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2020-12-11
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Midland Funding nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2022 I called Bank of America to payoff and close my account- this credit card. The phone call was recorded and the close was successful. Or so I thought. 2 months later I get a letter / notice with 2 late fee charges & a balance that accrued out of the blue. After calling Bank of America they tell me that I never paid off the account and this is interest or insurance that had accrued. I paid it off so it wont affect my credit score but I am NOT responsible for this charge. I paid off my account, I had to give a verbal that my account was indeed closed, and got confirmation from the bank that it was closed. I am not responsible for these other charges they are claiming, I closed out my account so I could get ready to move. They are lucky I saw this letter. I should not have to pay Bank of America for their incompetency. I want my late fees returned to me as well as a breakdown of these interest charges on a {$0.00} balance.

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 2018-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of XXXX I have also asked that my inaccurate information be corrected and has failed to do so Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: In progress
Consumer complaint received 2020-12-11
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, Barlaycard US sent me a letter stating that my credit card ( barclays arrival plus world elite mastercard ending in XXXX ) was closed due to " your history of account usage ''. I received the letter on XX/XX/XXXX20 and responded with a letter on XXXX/XXXX/20. I requested 4 things : 1. For information regarding the closure since their statement was vague and unclear. 
2. For the account to be reinstated as I had kept the account in good standing. 
3. A refund of the annual fee paid earlier in the year in the amount of {$89.00} as the membership fee was for an annual membership and they did not fulfill the annual membership. 
4. A credit in the amount fo {$430.00} as I had XXXX points remaining in my account on the day of closure. These points could be used at a $ 0.01/point ratio to credit travel expenses. On XXXX XXXX, 2020, I made a charge to " XXXX XXXX '' in excess of {$700.00} and this charge would qualify as a travel charge, so the point could be applied to the charge. 

On XX/XX/XXXX2020 Barclaycard US replied with a letter simply stating " ... We are unable to complete your request ... '' with no additional information. 

My first concern is that I would like a credit in the amount of {$520.00} for the annual fee refund and a usage of the remainder of my points.

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 2020-12-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had a credit card account in good standing with Wells Fargo ( since it was Wachovia ~XX/XX/XXXX ). I also had a checking account that was linked to the credit card account for overdraft protection. I decided to close the checking account in XX/XX/XXXX, while both accounts were in good standing with a XXXX  balance. I spoke to a Wells Fargo representative on the phone in XX/XX/XXXX & he said he would take care of closing the account. I got a " confirmation '' email that suggested I look for correspondence regarding my recent call in the Message Center on Wells Fargo 's website. The Message Center was empty, but I did not think anything of it at the time. I did not check back, thinking the checking account had been closed as communicated. Meanwhile, I left the credit card account open to maintain 17-18 years of good standing on that credit account. However, the checking account was never closed. Further, it needed a minimum balance, so the credit card pulled money into it each time it reached below the minimum & charged interest on itself, while adding additional late fees & overdraft fees. I was not making these charges, nor had I authorized them since I thought the checking account was closed. When I realized, around XX/XX/XXXX, that this had been happening, I disputed it. My account had been in good standing until that point. They opened case after case, didn't call me back, " understood '' & said they would " take care of it '' over the phone, then closed the case unfavorably without talking to me, saying I owed the money for the self-perpetuating, unauthorized charges. Each time, I was on the phone with them, they would say it was a miscommunication & would be able to take care of it. Then I would never hear from them after they opened a case & I would receive a closed case resolution letter saying I owed all the money. I kept trying to fight it & wait for them to call me back as they said they would. In XX/XX/XXXX, they did a charge back on my account. I was in good standing with them for 17-18 years. There was no reason for me not to be able to pay a ~ {$150.00} credit card bill, but it wasn't mine to pay.

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 2018-03-02
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX  and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

Ally Financial was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and Ally Financial to have it removed from my inquiry no action was taken.

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 2018-10-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I CHECKED MY CREDIT WITH CREDIT CHECK TOTAL FOR XXXX AND CANCELLED MY SUBSCRIPTION BEFORE MY 7 DAYS WAS UP BUT STILL TOOK XXXX OFF MY CARD. I HAVE CALLED XXXX A MILLION TIMES MAKING SURE I CANCELED THE MEMBERSHIP AND IT SAYS I HAVE NO SUBSCRIPTION WITH CREDIT CHECK TOTAL. A MAJOR PROBLEM WITH THE NUMBER IS YOU CAN NOT SPEAK TO A REP ABOUT PROBLEMS WITH YOUR ACCOUNT.. I ALSO PRESSED THE BILLING OPTION AND IT ONLY TELLS YOU TO LOG INTO YOUR ACCOUNT BUT THAT WILL NOT FIX THE MISTAKE OF THEM BILLING MY CARD. CREDIT CHECK TOTAL ( EXPERIAN ) SHOULD HAVE A NUMBER WHERE YOU CAN SPEAK TO A LIVE REP. BECAUSE MISTAKES HAPPEN AND THIS NEED TO BE FIXED.i NEED MY MONEY REFUNDED BECAUSE I DO NOT HAVE A SUBSCRIPTION WITH THEM BECAUSE I CANCELLED IT WITHIN MY SEVEN DAYS. CREDIT CHECK TOTAL NEED TO POST A NUMBER WHERE INDIVIDUALS CAN TALK TO A LIVE REP WHEN PROBLEMS OCCUR.

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 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation