BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
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: Information belongs to someone else

Complaint:
THE ACCOUNTS DIPSUTED DOES NOT BELONG TO ME. PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY 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 non-monetary relief
Consumer complaint received 2018-01-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Im a XXXX XXXX holder. Last year I missed a payment. I had an auto pay ACH set up for XXXX per month. XXXX began taking XXXX per month from my bank account. I assumed this higher amount was addressing the back amount due. Now a year later they continue to take XXXX a month ( my actual purchases were less than XXXX ). The onus is on me for not looking at this sooner but I discovered theyve charged me a XXXX late fee every month. Where I attempted to work this out with them I was treated to rude behavior, hung up on and left on hold with no response. I feel they should take what theyve already gotten from me and call it a day. They refuse to do any more than 2 fee rebates and will only do that if I pay them XXXX ( XXXX more than the rebate theyre offering ). My balance after a year is still XXXX. I asked a supervisor to escalate my complaint ( I asked the first rep to put a complaint in and was later told they dont do that ) the supervisor ( XXXX ) told me Id have to write to them and that she was the highest person Id be speaking with. She offered the mailing address for my complaint then hung up before giving it. My account with them is XXXX. They have my name as XXXX XXXX, Ive been attempting to get them to change that ( mailed them a certified copy of my marriage cert in 2010 ). Still no name change. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
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: Was not notified of investigation status or results

Complaint:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( Experian, XXXX and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: MO
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 have noticed thaXXXX XXXX XXXX XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2017-09-23
Company: WELLS FARGO & COMPANY
State: NE
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:
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX XXXX, NC 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 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This is not the first time this has happened with Kohls.com and the associated Kohls charge card. I placed an order on XX/XX/2018 that involved 2 items, which were to be delivered by XX/XX/2018. One item arrived on XX/XX/2018 with no problem. The other item did not arrive and the shipping tracking information for the 2nd item was invalid. Just so happens this item was never shipped from Kohls ( after to speaking with 2 customer service associates, a supervisor, and a complaint to their office of the president ) and now the price is double the original price. Kohls charge card quickly says " Sorry we will refund '' but offers nothing else. This has happened before when they increase the price of an item. They do not ship the item and just want to refund and force you to purchase at a higher price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I didn't know about deferred interest on account I paid the interest they charged on account I could understand accrued interest for XX/XX/XXXX until XX/XX/XXXX of XXXX but not accrued interest XX/XX/XXXX til XX/XX/XXXX and deferred interest of XXXX and XXXX this sounds made up. It's funny that overpayment is exact amount of overpayment no more no less. They should have given me a chance to pay deferred interest during life of loan. I paid all late fees when I had to at times before this last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank Re-opened and Closed their online portal before I could upload documents ... Claimed dispute is flagged as closed so gathered data is useless ... I have no way of getting around and no analogue phoneline to fax ... 
90 Minute Holds result in a dumped call regarding the mishandled case in which I was told one thing, but The bank performs a totally diff action. 
The Data upload situation is a Catch-22.

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 2019-09-06
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a XXXX XXXX payment through zelle on XX/XX/2019 for the amount of {$2000.00} to my non-XXXX account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my XXXX account, but never reached my XXXX account. I called Zelle and they said that the transaction failed and the bank should return the money to my XXXX account. I called XXXX and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my zelle  accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, Consumer Protection Agency I am having trouble getting these accts closed from my Credit report, I no longer have these Credit Cards and I no longer have any dealings with this lender for these cards : I did use them in the past and I paid them off without any problem and I just want them deleted from my Credit Report, every year I have checked my Credit report and they are still showing on there. I know after 7 years all account accurate or not should be deleted. I called this company ( XXXX XXXX ) and asked them why are they still putting these accts bank on my Credit report and then they told me to contact the Credit report Agency in which I did. Every time I am getting the run around, going back and forth about who should take these old Credit cards off of my Report. These are the Accounts : # XXXX ( 1 ).  XXXX opened XX/XX/XXXX closed XX/XX/XXXX paid off Reported again on my credit report in XX/XX/XXXX and XX/XX/XXXX ( 2 ). Acct- XXXX XXXX XXXX XXXX opened XX/XX/XXXX- closed XX/XX/XXXX( reported again ) ( XX/XX/XXXX- XX/XX/XXXX( 3 ). XXXX  -Acct XXXX opened-XX/XX/XXXX closed Reported XX/XX/XXXX-XX/XX/XXXX ( 4 ). XXXX Acct XXXX-opened XX/XX/XXXX report again XX/XX/XXXX-XX/XX/XXXX 5. XXXX XXXX-opened XX/XX/XXXX closed XX/XX/XXXXreported again on XX/XX/XXXX ( 6 ). XXXX XXXX was opened but I never used the card XX/XX/XXXX reported again in XX/XX/XXXX ( 7 ) XXXX-opened XX/XX/XXXX and the last one XXXX XXXX-opened XX/XX/XXXX Reported in XX/XX/XXXX XXXX XXXX XXXX -opened XX/XX/XXXX -reported again -XX/XX/XXXX The only thing I want is for them to be taken off because they are paid off and I no longer have these cards. I don't want them to keep reporting because they will never get taken off because it pushes the years back each time they report them. 
This is wrong and unfair. Please, help me get these accts deleted from my credit report, this is all I am asking. I paid them very well and I don't understand their logic in reporting them over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: OH
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I borrowed {$950.00}. It was to be paid back on paydays through XX/XX/2018. They are still taking out money from my bank account and say they will continue through XXXX. I have already paid back almost {$2000.00}. I'm going to my bank to stop them from withdrawing any more funds. I don't want this to go against my credit. They should be stopped from charging interest such as this and misrepresenting repayment terms>

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 2017-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Regarding the 2017 Equifax security breach, I was potentially affected by this breach. I have followed every step outlined by the company to sign up for their no-cost " premier '' monitoring service. Without exception, their enrollment process has been flawed and their computer resources are inadequate to compete the enrollment. As of this morning ( XX/XX/XXXX ), the company 's computer system is down due to high volume and I was told it is not expected to come back up until late tomorrow ( XX/XX/XXXX ). I have not been able to complete the enrollment process almost two weeks after I determined I was potentially affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 my home flooded. 
It took two months to get a flood insurance preliminary proof of loss. 
The POL was sent to first mortgagorXXXX XXXX Disaster loans for endorsement. XXXX sat on the check for 5 weeks before sending it back to me because I was informed they had me send it to the wrong address. 
The check came back XX/XX/XXXX and was forwarded to Ditech Morgage who told me they would have it back to me in 5-7 days. Ditch received the check XX/XX/XXXX. 
The check was forwarded with a letter explaining that I had been flooded out of my home for 5 months and the reasons why, a copy of the Proof of Loss, and a copy of the bids for hvac, electrical, and plumbing repair, which is the same thing I forwarded to during the previous flood four years ago. 
On XX/XX/XXXX, Ditech calls and demands copies of contractor licensure. This was not required for my last flood loss only 4 years ago. 
It is my belief that Ditech, a mortgage company in bankruptcy, is simply tieing up my payment in their bureaucracy in order to use the money in the interim and stall as much as possible in paying me so I can repair my house. 

I have been out of my home for 5 months. There is no power or heat there. 
I am living in a rental, losing the income from the rental and making payments on both houses, both the rental and the one that is uninhabitable. 
Winter is coming on, and if I dont get my home repaired, the plumbing may freeze & burst causing yet more damage, caused by Ditechs delays in forwarding my fema repair check. 

I need some help getting Ditech to release the check. 
Ditech loan # XXXX XXXX XXXX loan Ditech phone number XXXX Policy # XXXX Claim # XXXX Property Address XXXX XXXX XXXX, XXXX, AR,XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i was charged {$10.00} for a charged that was reversed by the merchant. 
this is outrageous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: NY
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:
Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re ; Citibank N.A. 
Flaws in interest rates ( over charge ) havent received check. First notified in XX/XX/2019, second time in XX/XX/2019 Have not received check and have called numerous times ( more than 6times ) and been told check hasnt been cashed and re-issued new check.Never received talked to : XXXX, XXXX, and XXXX to no avail

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 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't recognize this account. I never applied for it, I don't have any contracts and signatures with this company.

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