BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: U.S. BANCORP
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an online purchase on XX/XX/18. 

I am dissatisfied with my purchase. I discovered some of the clothing arrived damaged. In addition, I do not like the fabric and overall the quality of the items. So, I went to the store to make a return ( I wanted to return all items to the merchant ) I was told by merchant they could not assist me in my return. Merchant is not accepting any of the items purchased for a return/refund. 

I contacted my credit card issuer in regards to issue, credit card company states theyre unable to assist. I know my rights under the Fair Credit Billing Act and credit card company is not adhering to laws and regulations of such Act by refusing to help in the matter described.

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 2019-03-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Emergency room visit year XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XXXX so they added it to my report as new in XX/XX/XXXX in XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
NMAC communicated I could buyout my lease upon expiration and provided a buyout amount on XX/XX/XXXX. A check in that amount was issued by my XXXX XXXX and received by XXXX on XX/XX/XXXX, but NMAC refused to cash because of an internal policy change, they claim, was not communicated to customers or the public. As a result, I was forced to revisit the dealership to prevent repossession of my car and buyout my lease for a higher price. 

Details can be found in my " complaint '' attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted via mail, and uploaded documents from 2 creditors who stated the intent to remove accounts from my file, both are erroneous and inaccurate, and I did not own them, or owe..Experian has yet to delete them, I have given them over 30 days, and they said they did verify the info on file to be accurate??? they are liars

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 2021-05-05
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: FIRST NATIONAL BANK OF OMAHA
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 have repeatedly been billed for merchandise that I have never ordered or received. 
I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. 

On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. 

On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.

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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received XXXX credit cards in the mail from Bank of America that I NEVER applied for! XXXX was an XXXX XXXX XXXX and the other ; an XXXX XXXX. I received both cards in the mail out of the blue within a week of each other and each had at least a {$20000.00} credit limit! I called Bank of America and pulled my credit report to find that a XXXX XXXX  address was listed as my address and Ive NEVER been to Texas in my life! I have spent at least XXXX mins on HOLD, before I even get a representative, with Bank of America the last couple of days trying to get this resolved. Some criminal is trying to get credit cards in my name and Bank of America is failing to protect me from this happening. FURTHER, just yesterday ; XX/XX/2022 I get yet ANOTHER ID THEFT LINKED WITH BANK of AMERICA. I received a notification stating that I was denied opening a deposit account I also never initiated! Notice had info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on it. I am currently back on phone WAITING ON HOLD AGAIN to speak to this banking institution after my previous call was disconnected after waiting on hold for 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 non-monetary relief
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft

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 2021-07-20
Company: EQUIFAX, 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:
I have an account on my credit report that is reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Equifax on XX/XX/2021. The account is from XXXX XXXX and the payment history reporting is incorrect on this account along with an incorrect balance. Since sending the dispute letters on XX/XX/2021, I did not receive a response from Equifax within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid Navient for over 11 or 12 years faithfully no break in time believing that I had been on a forgiveness repayment loan being that I had a job in XXXX and for that reason never wavered from leaving the job I worked at since graduating as well as paying month after month and year after year, to be told that I had the wrong loan after over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted NewRez, LLC, about obtaining a temporary deferment of my mortgage payments. I was told by the gentleman I talked to that my FHA loan with their company did not qualify. According to the FCPB website, it does- " You are entitled to mortgage forbearance if you have a federally or GSE-backed mortgage and you are experiencing financial hardship due, directly or indirectly, to the coronavirus national emergency. '' They have no knowledge of what I am experiencing because they didn't ask any questions to see if I do qualify under the FCPB guidelines. It is one thing to deny me based on my circumstances and another to just ignore the request. I mentioned that my loan does in fact qualify but that fell on death ears. I also mentioned that according to your website repayment of the deferred amount can be done in 3 ways. One of which the total amount can be added to the end of the loan. The gentleman I talked to said he could not answer that until I was in a forbearance situation. He indicated that most likely, the amount due would be due and payable once the deferment period is over. If a person is struggling now, how do they expect repayment after the deferment period? In my opinion, NewRez is only concerned about their interests and they want their money immediately. This does not help is this situation. If this is the way they conduct business, heaven help those who participated in their program because they stand a chance of loosing their home for non payment or at least have their credit ruined forcing them to stay with NewRez. 
( At the bottom of the mortgage statement it indicates that temporary assistance may be available. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Consumer Financial Protection Bureau, I need your help and would like to sign up as a part of the law suit against Navient Corporation for deceitful and illegal practices.

My loans ( Federal student ) were originally with XXXX XXXX, then Navient servicing took over. Payment amounts were automatically increased and I spoke with representatives and requested a lower payment several times. They refused to accept an affordable payment. 
I am an XXXX  who graduated and have been working in the XXXX field for over twenty years now. The original amount of loans were {$25000.00} ( twenty five thousand dollars ) and I believe that Navient has now increased this  amount trifold. I can not afford to pay the amount that Navient is insisting as a monthly payment of {$1600.00} ( one thousand six hundred dollars ). 
I have pleaded with them and they are not willing to try and help me get into other payment plans. They have said that I do not qualify for any plans, yet I continue to work for a XXXX XXXX XXXX, in California. 
I am pleading with your agency as I am a victim of fraud and deception by Navient Corporation. They have ruined my credit and my ability to qualify for a loan forgiveness or any reasonable program that is available to me. I am in your mercy and pray that you will hear my plea. Please help me. Thank you for your time, Respectfully, an XXXX  who works with XXXX  who strives to make a difference in their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: OR
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 THOUGHT THAT I HAD FIXED THE PROBLEM WITH THIS CREDIT AGENCY ( EQUIFAX ) ON XX/XX/2020, BUT I FIND THAT THE PROBLEM IS STILL THERE ON XX/XX/2020. I PAID FOR THERE SERVICES XXXX AND I TRIED TO LOG IN TO MY ACCOUNT TODAY AND IT TELLS ME TO CONTACT THEM. SO I DID AND GAVE ALL MY INFORMATION AND AFTER ALL THAT TIME SHE INFORMS ME THAT THEY CAN NOT VERIFY THAT I AM WHO I AM. THIS IT REDIULUS AND IM NOT ONE BIT SATISFIED AND THIS HAS CAUSED ME TO SUFFER AND I AM OUTRAGED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
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:
This is compliant is being file against TD bank N.A.. the dispute case ID # XXXX bank name is TD BANK NA. ABA XXXX ACOUNT XXXX. this report is being put out by early warning service XXXX XXXX XXXX AZ XXXX this inaccuracy that being file against me. I have contact the TD, bank recover division there is no neg information are my account they could not find any. I have ask this bank about me and my bank account. i talk a recover office at td bank to day and he stated that the account is in good standing with TD bank go back 20 year ago. a research was conduct. that official could not find any neg information about this account there is no money old to the bank for overdraw status. he also stated that he could not see anything neg about my credit card or personal check and with no abuse TD, bank needed to correct this bad information. I have contact XXXX XXXX XXXX XXXX and TD bank NA. both today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Diversified Consultants, Inc.
State: MS
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 received a collection from Diversified Consultants about my XXXX account. I paid the collection in full the next day and was told by the company that they would remove the account from my credit report ( all three bureaus ) with in 30 days. After 30 days i called and was told it take 45 business days. After 45 business days i was told they will only update the account to paid on my credit report. I really need this removed from my credit. This is the only negative thing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Bread Financial Holdings, Inc.
State: SC
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:
Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Highest Balance {$540.00} Amount Past Due : {$0.00} Balanced was paid in full not sure why it is showing payment status current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent several dispute letters to Transunion on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes. 

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I need you to please have Transunion Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my 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 2018-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 they received a complete application and onXX/XX/2018 they came to a decision that I was not eligible for a home retention loss mitigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: IL
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:
To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX address stating XXXX received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from XXXX attached with other evidences to prove this statement was written by ME )

Company response to consumer: Closed with explanation