BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting interest that is occurring on a CLOSED account as late or missed payments. You can not miss payments on a closed account and balance increases due to interest are NOT new or missed payments. Its is severely affecting credit score. My open accounts have exceptional payment history. I have disputed these accounts and Experian says the information is accurate. My report is inaccurate and has information that does not align. Its says the account is paid and closed yet I'm missing payments on it every month. The debt is also 7 years and 2 months old. The report says paid and closed, so how can I have missed payments on a closed, paid account? Experian refuses to remove this account or to stop reporting late payments. I believe they are violating the FCRA by continuing to report these interest increases on this closed account as new missed payments.

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 2019-11-14
Company: ROCKFORD MERCANTILE AGENCY, 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:
I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX  and XXXX agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX   and XXXX  credit reports but, XXXX  continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and Equifax XXXX XXXX and XXXX  us laugh did not report my right score all my credit report after youre still loans was erase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX  in my name.  I have attempted to contact XXXX XXXX  a number of times over the phone.  The last being on XX/XX/XXXX at XXXX.  I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges.  I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX  continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased an XXXX XXXX from XXXX XXXX, XXXX, Minnesota, a couple of months ago and have had Nothing but problems with XXXX XXXX being very dishonest about the vehicle condition as well Westlake Financial Services who have a contract with this dishonest dealership. 


Westlake Financial concerns to date : Employees allowing someone else 's payments to apply to my loan, No willingness from Westlake employees to remedy the situation, therefore blocking my ability to make the timely payment. 


Westlake, Dealer Compliance, XXXX and his supervisor, " investigating '' XXXX for miss-representing my vehicle, with XXXX and XXXX, XXXX, working together in an attempt to Keep my XXXX down payment ....!!!, while siding with XXXX XXXX, stating that it was an " as is, used vehicle. '' Even after I explained over and over again, that XXXX misrepresented the vehicle over and over again, via phone calls, live video, mechanics comments, car wash that showed no leaks, no oil or fluid changes, etc. yet XXXX stated the vehicle had been fully serviced, and stated over and over again that this vehicle had no problems. 


Only to find out, through certified dealerships, to date, problems with : 3 broken bolts in the exhaust system, both manifolds were cracked, top leaked, and stereo now does not work due to the leaky top or roof. These repairs, to date, have cost over {$4000.00} ... 


Last ThursdayXXXX Westlake XXXX XXXX, XXXX and his supervisor, told me that my title was ready and waiting at my local XXXX, located in XXXX XXXX, Nebraska. Upon arrival at my XXXX, I was told that I not only do they not have the title to my fully paid off XXXX, also Westlake has a lien on it. 


XXXX plus calls to Westlake, with XXXX assistance. I feel that this alliance between XXXX and Westlake is deadly, and is taking advantage of a vulnerable population. 


Any assistance you could offer here would be greatly appreciated.

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 2021-02-01
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my mortgage in early XX/XX/XXXX to US Bank. I was informed to follow up with US Bank regarding making sure my property taxes were paid. I spoke with one US Bank rep early in XXXX and they did pay the city tax. I was assured they would pay the XXXX  ( county ) tax by the end of the month when it was due. I called US Bank on XX/XX/XXXX and the rep said my taxes would be paid by the XXXX of XXXX. I called US Bank on XX/XX/XXXX and spoke to " XXXX '' in the tax department who said they needed to get approval to pay the late fees. She said to call back in a couple days for more information. I called US Bank on XX/XX/XXXX. I spoke to " XXXX '' in the tax department. He said the property tax in the amount of {$1400.00} which included late fees was paid the prior day. He said the transaction should show online with in 48 hours. I called US Bank on XX/XX/XXXX and spoke to the tax department supervisor " XXXX '' who said the tax was not yet paid and she would have to find out why it was not paid. She assured me the tax should get paid by midnight on the XXXX. I called US bank on XX/XX/XXXX. I spoke to " XXXX '' who said the tax was not paid. XXXX said they would have to get approval to pay any additional late fees and they would call back with an update.

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 2017-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased a reservation for 3 hotel rooms on XXXX on XXXX XXXX, 2017. The reservation did not meet the criteria being offered so I attempted to cancel the reservation both through XXXX and capital one. XXXX refused to cancel the reservation. Capital One was n't able to offer me the refund after they contacted priceline. XXXX cancelled the reservation with the hotel assigned after the dispute was initiated. I was n't able to use the hotel that I booked on XXXX and was still billed for the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Midland Funding, as shown on my 3 credit reports, is showing incorrect information.

Basis for the dispute : 1. The type of account is listed as OPEN " Installment '' or " Other Accounts ''. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current.

( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is {$7000.00} and the account is listed as " seriously past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score.

Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of May 2014 as Midland is not a creditor and I do not have any installment agreement with Midland.

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX GM Financial went through a system conversion, which extended until XX/XX/XXXX. My spouse and I were told that our cars would update with the credit bureaus within 45 days. 

The car has not been reported been reported accurately with the credit bureaus and because of the system update it has impacted me for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is alarming and needs to be resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had credit card account with XXXX XXXX XXXX XXXX. I had to pay Synchrony bank each time I made a card payment, in other words credit was extended to me thru Synchrony bank. I got behind with my payments and called Synchrony to make a settlement offer they agreed with me paying them {$500.00} which would have settle everything, I asked them to send me papers stating the amount we agreed on or email it to me. I never received anything from them. When I called them to make a settlement I gave them my debit card number and told them to take {$250.00} that same day which was on XX/XX/2021 and another {$250.00} on XX/XX/2021 they did both time. When I called them on XX/XX/2021 to see if they had gotten the money, the call went to XXXX and the that person said that they had gotten a payment of {$26.00} and that I owed {$620.00} and she hung up on me. I called them back it was also XXXX and I was told that yes they had received the money and she hung up on me too. I called back and got a busy signal. All I want is for Synchrony to verify my payment to them and me know that I paid them off and how much was agreed on. I do online Banking with XXXX  XXXX XXXX, so I have proof of payment to Synchrony Bank. They want to say I'm irresponsible, but what does this say about Synchrony Bank.

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 2018-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I called Equifax at XXXX at XXXXXXXX XXXX Central Time to request that they unfreeze my account so that XXXX XXXX   could check my credit score. After I gave my personal information I was asked about 10 verification questions, such as outstanding loans, etc. After answering the questions, I was told that I failed, but that they couldn't tell me why. The person asking the questions told me that I could fax them a copy of my driver 's license and social security card and they would mail me something that would allow me to unfreeze my account. I am applying for a home loan and I can't wait days for a response from Equifax. Equifax 's data security breach in XXXX was the reason that I placed the freeze in the first place, now I have been placed in this catch 22 because of Equifax 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A few weeks ago I increased my monthly payments from direct debit to add an extra {$140.00} per month onto my monthly installment amount. I received an email on XXXX XXXX, 2017 at XXXX XXXX stating that I am enrolled in direct debit service so the payment of {$360.00} will be automatically withdrawn from my bank account on X/XX/2017. On XXXX XXXX, 2017, I looked at my bank account and noticed that my student loan payment was not taken out of my checking account. I called customer service and was placed on hold for 35 minutes, only for them to tell me that the Delinquency is no big deal, that the confirmation letter they sent me on XXXX XXXX was a mistake in their system, and that it wo n't change anything on my account. Upon logging into my account I noticed that all of my loans were DELINQUENT. I manually processed a full payment immediately in order to cover the over due balance. I then received another letter on XXXX XXXX, 2017 stating that interest had been capitalized on my loans. I immediately went in and made a payment for the interest amount of {$53.00}. This error needs to be corrected and I demand the delinquent status be taken off of my account and erased from my payment/credit history. I talked to customer service today for 33 minutes and they admitted their mistake in sending me a confirmation that my payment would be automatically withdrawn on the due date, they told me that because of a delay in their system, they could not take off the capitalized interest. I then spoke to a manager who put in a claim for me and told me to call back in two weeks. I do n't want to wait two weeks to get my money back and for them to fix their mistake. But not for the confirmation email and letter I received on XXXX XXXX, 2017, I would not be delinquent on my loans, had forbearance placed on my loans, and be charged capitalized interest. I pay my bills every month when they are due and in fact, I pay more than what is due. As a customer I deserve respect and I was treated as if it was my fault. The customer service man I spoke with today, XXXX XXXX, told me that it is not likely anyone will be able to help me even though he is putting in a request to management, after he rightfully admitted that the reason for this matter was due to their own mistake and systems. I have received emails and letters in the mail which apparently, accounting to FedLoan Customer Service, were incorrect. As a customer, I relied on this information from FedLoan Servicing, which caused my accounts to become delinquent and my loan interest to be capitalized. I am very disappointed in FedLoanServicing and I expect this mistake will be fixed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
Per complaint XXXX XXXX, 2017 : # XXXX, I would like to add supporting dockets. When, XXXX, from card services said she was in XXXX XXXX ( where my dispute is ), I felt that by her calling me back on an automated service return call. That, XXXX, making me hold while she sits there, was punitive with me. Maybe, XXXX, knew I was had a credit card dispute. Case number XXXX. I was aggressively evicted from XXXX XXXX XXXX XXXX XXXX XXXX, 2017. I had pre-booked, XXXX XXXX, 2017 through XXXX, from XXXX XXXX XXXX, 2017 and flew from XXXX XXXX. After thinking about the phone call, I feel that, XXXX, knew too much and was acting punitively toward me and there was not a need for XXXX to be that punitive with me. There has to be another way. The Bank needs ot implement a cheat sheet with numbers and extensions. I feel so helpless without the right number. And feel ganged up on because of the way the people act toward me is like they can do any old thing to me and then hang up. And, it makes me very angry. They retaliate. I 'm tired of their insinuations!

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 2018-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: NY
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:
N accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2017-08-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a gold Amex business card and the mailer said that if I spent {$5000.00} in 3 months I would get   XXXX   points, and another   XXXX    points for spending another {$5000.00}. This makes a total of   XXXX    points for {$10000.00} spend. Amex admits ( several times on phone and live chat, screenshot attached ) that this offer was attached to my account, but denies I spent {$10000.00} ( once on chat they even agreed that I spent it, and opened a case but never gave me the points ). See statements attached, showing I spent more than the required amount.

Company response to consumer: Closed with explanation