BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car XX/XX/2020 or around that time. With a extended warranty that most service department at major dealerships do not honor 3 weeks into the loan the motor blew I tried to used the warranty going in they claimed not to cover this or that so hey I was stuck with the out of pocket expenses. 2 month as later I received a call from XXXX XXXX XXXX and they said we have to replace your motor they contacted the warranty dept and they said we will pay 2 hours of the 12 hour labor but tear the motor down and we will send a inspector out. A day later I received a call and the guy said we stop working with this company because they failed to pay us several times on jobs we done. I contacted the dealership I purchased the car from and they told me to contact the back thats keep insisting I contact the warranty company that receive payment from me to them every time I pay my car note. They claim the warranty company didnt deny the loan but if the only person that could work on my car is a certified XXXX mechanic in which I would find only at a dealership could work on this car in which the company itself does not accept this warranty its useless and I explained over 10 times. The bank is scared to lose relationship with the dealer because they able to make 30 % or more interest off its customers. Now Im stuck in in the middle of do the right thing or profit off a company that been making us a lot of money ripping off consumers. Inspire of me losing my job and will be homeless once XXXX left the eviction hold I still managed to pay my note and insurance my kids missed XXXX. When this car broke down I was in the middle of no where stranded for two whole day with no food no water no phone because the area had no service. And all credit acceptance keep saying call the warranty department not once trying to contact the dealer to see why did the motor go out in 3 weeks as long as they get they 30 % and the dealership keep sending them business thats all they worried about. Its a pandemic and the bank is taking advantage to the fullest and would rather make a dollar then to satisfy consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Im referring to my navy federal credit union account ... .through overdraft protection service my account has had a balance of negative XXXX. I explained that I had to leave my job due to safety I sent in police reports and everything. It was confirmed through member services that I had until XX/XX/XXXX to clear the account before my account would be closed. I received a phone call from NFCU about 3 weeks ago saying my account would be closed in XXXX but when I referenced the letter I was sent saying XX/XX/XXXX th they confirmed once again that I had until then BEFORE my account would be closed. Well as of yesterday I was unable to see my checking information in the member portal and when I did call today to ask why I was told my account was closed yesterday and there was nothing they could do about it ... I begged and pleaded and assured that as I have promised before and through the whole time that I was not ignoring my debt but would take care of it by XX/XX/XXXX and they said they could not do anything about it ... I explained that I did not understand because two different people on two different dates had confirmed the XX/XX/XXXX date with me and they still failed to take action to help me .So this is why Im asking for your help because I didnt have to submit police records or give any information but I did in hopes that they would see my honesty and work with me which appeared they did but Im actuality they did not after two times confirmed in secured Member services and have closed my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax to report a fraudulent credit card account on my credit report it was a XXXX department card that did not belong to me. I called them to dispute it and to have them investigate it. In doing so the representative I spoke to must have erased my credit profile because any credit report site I go on to pull my equifax report says there is an error. I logged into my XXXX app and it says its unable to pull my Equifax report. I logged into Equifax and nothing after the month of XXXX shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I recently filed a dispute or claim regarding the incident that took place at XX/XX/2020 around XXXX XXXX  at an ATM associated with XXXX XXXX XXXX XXXX. I used the XXXX ATM to deposit cash precisely {$210.00} dollars into my Navy Federal checking account and basically the ATM Shutdown on me as you can see in the picture. It did not provide me with a receipt. It never showed on my statements, so basically it just ate my money. I filed a claim with Navy Federal and they gave me the {$210.00} dollars back but apparently the Navy federal representative for the fraud department told me today that the {$210.00} dollars that navy federal gave me was just provisional credit and that XXXX told navy federal that it did not see my {$210.00} dollars on their ATM audit in which today navy federal took back the money in which i dont understand because the machine took my my money and did not give it back which I dont understand. As you can see in the picture it says the date i took the picture of it shutting down on me. That is my proof of evidence.

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 2018-06-19
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have recently over paid an outstanding balance on my PNC credit card account and now have a {$1000.00} credit balance. I have contacted them on more than one occasion requesting that they send me a check for the credit balance and they have been giving me the run around for the last 20 days. I initiated the request on XX/XX/2018 and was told that I would receive the check within 7 - 10 business days. When I called back to inquire, I get apologies and no commitment or promise to send me my credit balance. I have called on more than 3 occasions, can I get help with the issue? This is unacceptable, I have outstanding credit and want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: LA
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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2018-05-07
Company: Experian Information Solutions Inc.
State: CA
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:
Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.

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 2020-07-02
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Portfolio to discuss a settlement for the account originally reported by XXXX XXXX, who stated they are not reporting the debt at all. I have waited more than thirty days but no response has been sent and I have had no contact. I am attempting to negotiate a settlement of {$200.00} for the account balance of {$460.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: KY
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 contacted Equifax, regarding methods of verification used, in supposedly verified debt on my report. Hey closed the investigation out in the collection agencys favor, without providing me with satisfactory proof of debt being verified. 

Now, I have two different accounts on my credit report, claiming to won the same debt, without one of them being sold or transferred.

How can this be?!?! 


This proves that the debt was not properly verified the number of times that I asked for it to be!! Please see attached proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2019-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Portfolio Recovery Associates, has been calling our phone number repeatedly, every day, for the past 3+ months. After the first several weeks of allowing our call-screening to ignore the calls, my wife answered the phone once, and the " agent '' asked her to confirm her name, her address, and then asked for her age, whereupon my wife insisted to know exactly who was calling and why they were calling. The person said that they could not divulge any specifics until she answered all of their personal data questions. My wife refused to do so and told them to stop calling. Yet, we continue to receive daily calls ( sometimes waking us in the morning ) which now come from different area codes and numbers each time ( circumventing our call blocking ) and never leaving any message or details on exactly who is calling, why they are calling, or how to stop the calls. I have the Caller ID report identifying " Portfolio Recov '' with the number that they used for at least the past 10 calls. This is harassment. We have no unpaid debt, as a review of any bona-fide credit agency report strongly confirms. Please force this company to stop harassing us and apply whatever punitive measures are available to ensure that they comply with all consumer protection laws. 
P.S. They just called again ( from XXXX this time ) while I am writing this at XXXX XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or around XX/XX/2021, I became a victim of identity theft when an account was opened at TD Bank. I received a written notification in the mail that the account was opened. I subsequently visited the nearest TD branch to have the account closed ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) on or about XX/XX/2021. Thereafter I received a statement and decided to visit the branch again. On XX/XX/2021, I visited the location for a second time because of my concern. The account was opened with my personal details and I wanted to know what that information was. XXXX at the branch helped me and verified my identity using my driver 's license. I requested the application to review what information was collected but I was told by XXXX, who called TD 's Fraud line, at the XXXX XXXX location that because the account was opened online they would not share the account opening information with me. XXXX did let me know to open an account online, TD requires the customer name, ssn, address, and dob. The customer then needs to visit a branch to fund the account and provide ID and a signature card. After XXXX reviewed the account she said there was no signature card available for the account. She also said the account was likely funded electronically and not at a branch. It's distressing enough to be a victim of identity but it doesn't seem TD was vigilant enough and it was concerning that the application wasn't shared with me and that there was no signature card on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Guild Mortgage Company LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Guild Mortgage in XXXX XXXX did not refund the balance of my escrow account within 20 days. Final payout on XX/XX/XXXX. As of XXXX, refund has not been received. I believe that's a violation of RESPA. 

12 CFR Part 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Has been 24 days as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper hasnt responded to initial complaint. Company called multiple times a day, called on weekends and holidays. Told company they would get their money once VA retro pays me owed funds. Mr Cooper continually calling and harassing me. Company never left messages. Mr Cooper then without cause had a debt collector reach out to me. We are in a pandemic and Im a XXXX veteran, horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX, XXXX, XX/XX/XXXX and most recently in XX/XX/2021 I sent dispute letters to the credit reportimg agencies about fraudlent inquiries. It should also be noted I sent an addidtional letter on XX/XX/2021. I have requested investigations into the matter and I requested that they send me a full description of the procedures used in the investigation and to be sent proof of my consent for my file to acessed in my recent letter. 

Its been almost 6 months and I still have not been notified or see any updates or changes to my credit report. NONE. Not one single acknowlegment OR ANY CHANGES OR REMOVED INQUIRIES!!! 
I send the letters certified so I know they are recieving them but I am being ignored AND WHEN I CALLED RECENTYLY THE REPS WERE NOT HELPFUL!

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 2021-06-02
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.

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 2021-06-02
Company: Experian Information Solutions Inc.
State: TX
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:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, Experian reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A few years ago, Bank of America closed my checking accounts and would not tell me why. At this current time, I need to be able to bank with Bank of America because I am one of my mothers guardians and oversee her finances.

I need someone to tell me I was forbidden with doing any banking with Bank of America even though my account had been open for over 30 years with absolutely NO issues ever!!

It never made sense and no one was allowed to tell me what happened to cause this action by BOA.

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 2019-01-16
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Business took payments early creating an overdraft on bank account that until today still trying to make my bank account positive.I know I owe them around {$500.00} which will get paid off as soon as I can..and Please They need to stop harrasing me with 5 phone calls per day and calling my employer Whenever I don't answer my cell phone is because I Can't.. I can not attend collector phone calls while on duty hours which is from XXXX  to XXXX  then go to my second job XXXX  to XXXX .Thank you for you understanding.!

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