BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-05
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-05
Company: UBS BANK USA
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I co-signed on a mortgage for my daughter and son-in-law. during covid they applied for a loan forbearance. they were accepted, the loan was never in arrears, the loan has been re-written and is up to date. There is nothing outstanding and yet UBS bank has put a large false delinquency report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Credit card ending in XXXX. 
I wrote a letter in XXXX to them and called on XX/XX/XXXX asking for some kind of relief as advised by CFPB and as advertised on their website noted below with stars. 

I spoke to XXXX in XXXX, VA and she said that Capital One had no programs to assist and that, that they would not offer a payment plan, that they HAD TO REPORT ME TO CREDIT AGENCIES, and they had no programs to help those who lost businesses or who suffered illnesses covid. 

Can you help? 

I offered to attempt to rectify and make minimum payments until we get on our feet. 

Capital One says there are no available options for relief under CARES act ***Credit Cards and Other Loans If you find yourself unable to make payments on bills, credit card debts or other loans, the Consumer Financial Protection Bureau ( CFPB ) recommends working with your lenders directly. The CFPB says the earlier you reach out, the better. And it has a helpful page describing what options may be available and what to say to your lender.

Capital One customers who may be experiencing financial difficulties as a result of COVID-19 should reach out directly to discuss available resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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 a copy of my Equifax credit report for review and noticed an item from XXXX XXXX XXXX on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
my information has been used since I was child since XX/XX/ I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX all this is for

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 2021-12-05
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: Their investigation did not fix an error on your report

Complaint:
My ex wife opened a credit card on line with my name and used the max credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX years old. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.

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 2017-12-01
Company: DISCOVER BANK
State: MN
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:
My Current Balance is incorrect. 
My account reads : Last Satement Balance as of XXXX XXXX, 2017 = {$1500.00} Recent Transactions = {$1.00} Recent Payments and Credits = - {$0.00} Current Balance = {$1600.00} Please do the math and notice that XXXX + XXXX does NOT equal XXXX Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Public Records - XXXX County Tax Lien sent letter to XXXX, Equifax, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XXXX and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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: Personal information incorrect

Complaint:
Experian has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from XXXX maps of Experian 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 non-monetary relief
Consumer complaint received 2021-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX and XXXX shows my account as being under dispute which means Credit Acceptance has received a notice of dispute from me the consumer/natural person. Pursuant 15 USC 1666a Regulation of credit reports, a creditor is not allowed to directly or indirectly threaten to report to any person adversely. Credit Acceptance list me as 30/60/90/120 days late on numerous accounts during disputes. Ignoring federal law.. 

Pursuant to 15 USC 1605 Determination of finance charge, the finance charge is the sum of all charges. Meaning Credit Acceptance was already paid for the vehicle so there should be no late payments or reporting of late payments. 

Also I was never notified of 15 USC 1635 Right of rescission as to certain transactions that violation terminates alleged contract..

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 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Kohls, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

During XXXX I went to the Kohls store, and was going to pay cash for a transaction, I was told if I applied for a Kohls card I would get a discount. I made the purchase and paid the person in cash, and in fact handed the person the exact amount.

however later I found out that not only did the Kohls rep take my cash, but they also charged the card. I only found out about this months later when I received calls from Kohls.

Kohls told me to dispute with the fraud dept which I did.

They made me go to the store to get camera proof, the store didnt help and while all this was going on, Kohls marked me late. 

I then paid off the collection company {$200.00} odd, theyve marked me late 90 days I never even activated the card. Im a frontline health care worker, I was robbed of cash by a Kohls representative and now due to this fraud I have. late payment.

Account information : Balance : {$0.00} Credit limit : {$300.00} Account status : Paid Closed :XX/XX/2019 Demand : I am requesting a deletion of my account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: Self Financial 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 filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
I have a revolving account for {$2500.00} opened XX/XX/2006 that dispite all my efforts remains on my XXXX credit report when it is now XXXX years old ( statue in NJ/ ) is XXXX  years and it was part of a fully successful bankruptcy discharge. The account is listed as TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had requested lower payments over a longer time span because my monthly payments with Santander Consumer USA is astronomically high. I pay {$690.00} per month and I am struggling to make payments and want to work out a lower payment arrangement via longer time span in order to keep my car. I do not want to go bankruptcy but I may be forced to go bankruptcy if I am not able to lower my payments. When I first got the loan, I did not have student loans to pay, soon my student loans will exit the grace period and will need to be paid back and I ca n't tolerate these continued high payments. I was charged an astronomical amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SYNCHRONY FINANCIAL
State: CT
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 duplicates of the same account on my report. one by the original lender and also one by the agency which purchased the account. it is paid off but the original lender replied they sold it but still reports it on 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 2018-01-25
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:
I have been consistently making payments to Navient on my student loans. Navient doesnt allow flexible payment options. Theyre either ~ {$200.00} or $ 700+. I can not afford the higher tier option. As Ive been paying on the lower tier option less than 5 % of my payments have been allocated to principle. 95 % of payments have been going towards interest. For context, I took out a student loan in 2013 for {$20000.00}. Although I have been making consistent payments on the loan my balance is currently {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency NCC Business Services is claiming they do not provide receipt of payment. I need receipt of payment to ensure that they are applying my paid funds appropriately. Also, I need proof of payment to ensure that once paid off, it will be reflected properly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had tried to payoff my loan before it transferred to a new servicer. The total balance was approximately $ XXXX. My Banking online will only issue amounts for up to $ 100K, so I sent 2 payments totaling the the payoff amount. My bank sent the $ XXXX by EFT but sent the $ XXXX payment by check instead. This made the payment take an extra week and was received on XX/XX/XXXX, the date of the transition. The previous bank endorsed the check to the new service provider and requested that it be credited for us. Instead the new service provider returned the check to me, saying that I needed to pay an increased amount of about {$400.00} to payoff the loan. This is a ripoff! 
I can see paying the extra couple of days interest, but by returning my check to me they have increased my costs by hundreds of dollars and made it impossible to pay it off by the date quoted. I can't issue a new payment until my bank can confirm that the check wasn't cashed. This will take weeks. Who has an extra $ XXXX lying around to make a double payment? This results in my being charged interest on the full amount until this mess is cleared up, probably 4-6 weeks. If they had kept the check and credited us with that amount, I could have issued them a 2nd check immediately to pay them in full and minimizing the extra charges. 
They had constructive payment on my account XX/XX/XXXX, but refused the payment costing us an extra 4-6 weeks of unnecessary interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has made it impossible to log in and dispute inaccuracies on my credit report. The website system is at fault. It ca n't locate me, even with the extensive list of information the made me confirm, the website still has problems and ca n't find me. It tells me the information does n't match. I assure you, the information provided is accurate. If it does n't match, it is due to inaccuracies in THEIR bookkeeping. They are essentially using poorly maintained technical mechanics on their website, to prevent me from disputing inaccuracies. How ever convenient for them. Yes infuriating for me. I need CFPB to get someone from Equifax ( and I mean XXXX XXXX NOT the terrible XXXX based customer service people they employ. These people are useless beyond measure. I need a high level manager at Equifax to CALL ME. Leave a message with a return number in case they end up leaving a message. I want to talk to someone HIGH UP in their organization who can make things happen, so that I can successfully log into my account, pull up my report, and file a dispute. At present, due to website glitches, I ca n't do any of this. I DEMAND a sr manager in credit reporting and inaccuracies to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started the refinance process with Rocket mortgage in XXXX. They stated that it shouldn't take longer than XXXX. All the documents requested were received but do to the lack of knowledge of the loan processor and diligent processing of the application time expired. It's XXXX and now we will have to reapply and credit will be pulled again and another inquiry will be placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Government issued debit card provided by Bank of America. On XX/XX/2021 a company called XXXX XXXX XXXX aka XXXX issued me a XXXX for {$2100.00} for a purchased I made on XX/XX/2021 to which they were not able to ship the merchandise and lacked inventory so they issued me a REFUND for not received as they were out of stock on the item I purchased. The XXXX was for {$2100.00}. Bank of America sent me an email on XX/XX/2021 asking me to call in their customer service line to " URGENT : Please Verify XXXX XXXX XXXX '' and in the email it showed transaction XXXX for {$2100.00} they received. I called and verified the refund but I never received the refund. When I called back the next day, they claimed to " not know what I'm talking about '' and stated they didn't have any refunds. I forwarded the email and text message I received but they still continued to say they didn't receive any refund. The email had a case number XXXX, XXXX XXXX XXXX ending in XXXX. I would like to simply receive my XXXX for {$2100.00} but BOA refuses to release my money and claim they don't have it.

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 2021-02-12
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX of XXXX and Paid off XXXX in XXXX around the XXXX. 

At the time of payoff XXXX  collected my XXXX Property Taxes in the Payoff The title company also paid my XXXX property taxes at close and the title company 's payment for the XXXX property taxes was received first XXXX County. I became aware of this on our about XX/XX/XXXX, so I contacted XXXX County and XXXX XXXX on or about XX/XX/XXXX, they said they could not find the payment return and they would search for it, then I called again around XX/XX/XXXX and they could not give me much information. I called on XX/XX/XXXX and spoke to XXXX in the escalation department and I spoke to XXXX on XX/XX/XXXX in the escalation department. 

XXXX did say they are working on this but it could take 6 to 8 weeks to resolve this, this is a violation and by law they have 30 days to issue the escrow refund, they are approaching 90 days. XXXX also said he was aware this is illegal for them to hold my escrow refund for more than 30 days XXXX XXXX/PHH Mortgage Owes me {$2200.00} for an escrow refund. 

PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Date XX/XX/2021

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