BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, Exeter confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX Exeter reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with Exeter to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with Exeter and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt with XXXX XXXX! My Identity was stolen and I will be writing a letter to you to have this account closed and ceased collections. I need you to instruct the 3 major credit bureaus XXXX, XXXX  and XXXX  to delete and remove this account. It is a pandemic and this company is trying to collect payment from me, when I can't even collect toilet paper from the store. I find it highly unethical during these times people are selling " alleged '' debt. I will be filing complaints with the XXXX, CFPB, FTC and any other company that will accept complaints until this account is deleted completely! I will remove complaints and negative reviews once the company sends letter stating that they will delete and remove these accounts and contacted the reporting agencies if it has or was going to report to my credit. 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 explanation
Consumer complaint received 2017-12-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid my balance on my Wells fargo credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XXXX/XXXX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed from my credit report as promised. Ive disputed this claim with XXXX and XXXX to no avail. This was not the agreement I made when completing my payment and my credit report should reflect that accurately.

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 2022-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to pay the mortgage since XXXX XXXX. I successfully paid the mortgage last month, and have registered with their app, but the same login in user ID and password will not work. When I click on their button for having trouble to sign on and enter my account number it states they can not locate me and direct me to call. I have been on the phone for hours, and they are not picking up. There is no chat option, their website states it is coming soon. There are no branches in Illinois that they list on their website. It should never be this difficult to pay a mortgage online to an online bank. Today is XXXX XXXX and I am unable to connect with anyone in customer service to get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Prior CFPB complaint XXXX prematurely closed by Citi Credit Cards.
Exact problem remains as first reported. Secure Messages are not delivered to customers Inbox. Company denies Data Breach yet can not explain or provide evidence showing that missing data has not been mishandled or delivered.

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 2017-12-06
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In late XX/XX/XXXX, Chase Bank sent a statement to my home indicating my savings account had an opening balance ( XX/XX/XXXX) of {$9.00} and a closing balance ( XX/XX/XXXX ) of {$0.00}. There was an withdrawal, not by me, of {$9.00} on XX/XX/XXXX. The transaction detail labeled the withdrawal as " Unclaimed Property State Remittance. '' I called the bank to ask for that the confiscated money be returned to me. I did not care if the account had been closed as I rarely used it anymore. ( It was set up for convenient money transfer to my son in college ). But I did n't think it fair for the bank to simply abscond with my {$9.00}. 

I made the first call within a few days after reading the statement. After a long telephone runaround, they told me the department to deal with this was closed and I should call back.

I called back on XX/XX/XXXX and again asked that my missing money be refunded. I sp

oke to four people on a call that took some 50 minutes of my time. The last representative said I must go to a branch. She said the nearest branch is in Arizona -- a six hour drive! That was how Chase refused to solve an issue of its own making. I now want my {$9.00} back. I also want to be reimbursed {$300.00} for the two hours of professional time wasted on this ( m
y freelance rate is $ XXXX/hr

). And I want an apology for how a ) I was never advised they wished to close my account, b ) I was routed all over their company with no resolution, c ) I was insulted by their suggestion I drive six hours to a distant branch, and d ) I had my money confiscated for no good reason. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: DC
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:
My five credit card account is not delinquent Or derogatory.

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 2022-01-07
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax  ; XXXX and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 I deposited a government check from my Federally recognized XXXX XXXX ( XXXX XXXX XXXX ) to my Bank of America checking. This was a day before XXXX. I was advised that while a hold would be placed on the funds, they would cover any things debited from the account on the next business day XX/XX/2021. I have now received {$100.00} in fees from the bank ALONE ( nevermind the merchant ) because they are not allowing my debits to be processed ( automatic payments ) because they wont remove the hold. I did not ask for the entire hold to be removed, just enough to cover what is currently being pulled since I was advised it would cover it by the next business day ( XX/XX/2021 ). When attempting to get the fee refunded, I was advised I couldnt. I was advised the check looked fraudulent even though it was drawn on another bank ( XXXX ) and was government issued. I recognize and understand the need for the hold, however, I am extremely upset that they were able to release the hold to take THEIR monthly maintenance fee and then charge me additional fees.

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 2021-04-01
Company: EQUIFAX, INC.
State: IN
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX CXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NJ
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF MY CREDIT REPORT.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2019-02-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have reached out to Navient concerning the ability to benefit back in XXXX and also sometime in XX/XX/XXXX and also XX/XX/XXXX. I was advise that I didnt qualify because I self proclaimed I had a high school diploma. When I sent over documents that was requested I sent over my my high school transcripts as well to show I had not diploma at the time when I attended the school the school I got my loan for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS  GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, & XXXX acct. no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2021-09-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I constantly check my credit score on XXXX and last night ( XXXX ) I noticed that my credit score went down 21 points, which is weird. I always make my payments on time. I decided to check on my alerts and there is a loan over XXXX, XXXX that was taken out in NC. I dont live in North Carolina XXXX I live in XXXX, California. Someone is using my social and credit to purchase a car in NC.

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 2017-12-05
Company: Trust Financial LLC
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An individual authorized to speak on behalf of the consumer contacted the company on XX/XX/2017 after discovering their claim against the consumer during a regular check of the consumers bureau credit reports ; the company had never attempted to contact the consumer previously. During that initial contact, formal request was made for validation of the debt. After a month without any further contact, including validation, from the company, complaints were filed in late XX/XX/XXXX with the three major credit bureaus. The company responded to several of those complaints, claiming that the debt was valid. A subsequent claim was filed against the company by the CFPB and responded to by the company, who again alleged the validity of the debt. However, because validation of the debt was requested, the companys reports to the CFPB and to the credit bureaus which allege the debts validity are illegal due to the companys failure to provide validation of the debt. This continued reporting of the unverified debt constitutes hostile and malicious attempts to damage the consumers credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: PNC Bank N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Square , Inc, Square Up, www.squareup.com deactivated a money processing account I had with them without notice. I received an email and could not call to question why. In the email I was told the remaining balance would be released to me in 90 days. 

After receiving an email from a XXXX in Account Services I am still unable to transfer my {$1900.00} out of this companys account. I have tried unsuccessfully many times to email them back since my account is deactivated and I cant call. 

They are intentionally defrauding me out of getting my money back.

Company response to consumer: Closed with explanation