BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XXXX/XXXX/2020 I attempted to schedule my normal monthly payment for XXXX/XXXX/2020. Every time I attempt to confirm the payment details I get a a pop up saying the payment can not be processed due to technical issues. 

Online chat is unwilling to help because it is a mortgage, and I have been on hold for over 30 minutes now. This is the 2nd month of paying Fifth Third, and the 2nd month I've had to call to be able to actually pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I am writing to BARCLAYS BANK DELAWA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BARCLAYS BANK DELAWA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2018-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( Bank of America ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2018-01-27
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I first filed a dispute with Experian regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/2017 that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. 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 2017-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/2018, after receiving a letter from XXXX about our lease, we spoke to a sales person who discussed incentives for us to return our vehicle early and get into a new lease. We were told we would have to cover the mileage but they would take care of our last ( 2 ) payments, disposition fee and wear and tear of our current lease. 

On XX/XX/2018 We agreed to the terms, ended our lease of our XXXX XXXX early and were placed in a new vehicle. We were told the excessive mileage would cost a little over {$900.00} and to expect a bill in the mail. 

On XXXX XXXX I was hospitalized and required to have an emergency XXXX. During recovery in early XXXX, I received a notice that my total lease liability was now {$1800.00}. I called XXXX immediately so that they could correct the error. They said they had no knowledge of the agreement and that they had only waived the disposition fee but the rest was my responsibility. Though I wanted to argue there was nothing I could do so I agreed to pay it but could not do so immediately because I was on XXXX but could pay them in full as soon as I received my taxes. 

They agreed to this and called every other week for an update on when the amount would be paid off. I asked if I could at least do a payment plan but they refused. Had I been able to make payments I would have been able to remain in good standing. Sometime in XXXX, they began reporting to my credit that I was late for payment when really it was the {$1900.00} that needed to be paid in full ( my monthly payments were {$200.00} ). My fico dropped from XXXX to XXXX which had a downstream effect on my other financial obligations. 

In XXXX as soon as I was off of XXXX, I paid them in full. On the advice of one of the customer service reps, I called back 5 times throughout the month of XXXX pleading for a good faith adjustment to remove the late payment information but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: SECURITY FINANCE CORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Due to financial hardships, I took out a loan in XX/XX/XXXX for {$300.00} with {$150.00} added on for interest. So in XX/XX/XXXX, my balance was {$450.00} and I had health issues and was unable to make my first payment that was due XX/XX/XXXX. Despite my defaulting on the loan, Security Finance continued to add interest and late fees ; even though they were well aware that I was in the hospital. I was unaware of how much interest or the late fees until I made a {$50.00} payment ; which brought my supposed balance down to {$390.00}. I called Security Finance and spoke to XXXX and XXXX ; I was told by both that my entire payment of {$50.00} went to interest ( XXXX ) and late fee ( XXXX ). None of my payment went towards the actual loan. Furthermore, they call my phone 3 to 4 times a day, 6 days a week. They are overly aggressive and refuse to work with me.

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 2018-01-27
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from SELIP & STYLIANOU , LLP XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX, stating that I owe {$920.00}. Multiples companies have attempted to collect various amounts of this debt for about 15 years. The account was entered into judgement and was never served papers. Easily verifiable through the postal system. About 10 years ago, one of XXXX XXXX XXXX 's collection agencies withdrew about {$400.00} from my XXXX XXXX   account. At that time, I contested the validity of the debt and they're fraudulent practices against me and the banking industry. I never received a response. Now, in 2018, I receive another letter from XXXX XXXX XXXX certified mail that I owe {$920.00}. They have filed a court complaint docket no : XXXX and threatening to levy my wages from my employer. This is extortion and needs to be investigated immediately. Their bully tactics and predatory practices have gone on too long. This is my last hope before I contact a lawyer.

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 2023-06-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.

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 2021-07-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/2021, I RECEIVED A NOTIFICATION FROM XXXX THAT SYNCHRONY BANK HAD CLOSED MY XXXX ACCOUNT. WHEN I CALLED SYNCHRONY BANK, THEY TOLD ME THAT " IT WAS A MUTUAL DECISION BETWEEN THE CREDIT BUREAUS AND SYNCHRONY BANK ''. WHEN I TOLD THE REP THAT I KNEW SHE WAS LYING BECAUSE " CREDIT BUREAUS ARE CREDIT REPORTING AGENCIES, NOT CREDIT GRANTING AGENCIES '', SHE TRANSFERRED ME TO ANOTHER PERSON WHO THEN TOLD ME IT WAS BECAUSE " THEY MAY BE CLOSED WHEN THE CREDIT BUREAUS AND SYNCHRONY BANK FIND THAT IT IS NEGATIVELY IMPACTING MY CREDIT SCORE '' ( IT IS NOT, AND IN FACT MY CREDIT SCORE IS A XXXX ACCORDING TO XXXX  ON XX/XX/2021 ). THEN, SHE TRANSFERRED ME TO A VERY HELPFUL THIRD PERSON WHO TOLD ME THE TRUTH. THEY ARE RETALIATING AGAINST ME FOR A 14 Y/O ACCT THAT 1 ) THEY HAVE NO LEGAL RECOURSE FOR COLLECTING ON 2 ) IS WELL OVER 10 YEARS OLD. THEY CLOSED EVERY SINGLE ONE OF MY ACCOUNTS WITH THEM ( MIND YOU, EVERY SINGLE ONE OF MY ACCOUNTS HAS A PICTURE-PERFECT PAYMENT/SPENDING HISTORY ). THEY ARE UNFAIRLY TARGETING ME FOR ACCOUNTS THAT ARE OLD AND I HAVE PROVEN TO THEM BEYOND ANYONE 'S REASONABLE DOUBT THAT I CAN PAY AND HAVE PAID MY ACCOUNTS ON TIME.

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 2021-03-05
Company: Open Dealer Exchange, LLC
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:
700 CREDITXXXX XXXX Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Time is of the Essence to this request.

I want to file a complaint against HSBC BANK of New York. 

I have contacted the HSBC Wire Department and Federal Reserve Bank XXXX without any progress. HSBC wont talk to me! Its my money. 

I started a Wire Transfer XX/XX/2019 of XXXX $ Reference # XXXX at XXXX Bank XXXX XXXX XXXX, XXXX XXXX has some arrangement with HSBC Bank in New York to be the intermediary. I contact HSBC and they refused to check status. I contacted XXXX same result. I sent wire expected quick delivery. Please prosecute, penalize and take enforcement action. I paid fee of {$50.00}. 

Funds were not transferred and not returned by HSBC Bank New York. 

XXXX submitted a Cancellation request on XXXX XXXX and funds have still not been returned!!! HSBC Has had my money for 13 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: AL
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:
This information was reported on XXXX, they were not addressed in their response. 3 out of the 5 judgement were deleted by Equifax. XXXX and XXXX researched and removed all 5 due to insufficient and inaccurate reporting.. 

Per my Equifax Credit report the following 2 tax liens remainL Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$770.00} Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$2000.00} Please remove the above referenced judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I completed my XXXX degree program. At that time, I set up automatic payments of {$120.00} every quarter with the XXXX  loan servicer - Heartland ESCI. According to the agreement to come out of educational forbearance, my first payment was due on XX/XX/XXXX and the payment would be automatically withdrawn from my bank account. I made the XX/XX/XXXX payment and again in XX/XX/XXXX before I noticed that Heartland ESCI was marking my credit report as 180 days late. 

I contacted Heartland ESCI and the representative advised that I needed to enter a rehabilitation program for {$40.00} per month in order to get the late payments removed after 9 months. At the time, I did not realize that this was incorrect since I was not in default and was making my payments on time so I agreed. 

After doing some research, I realized that the information she gave me was incorrect so I called Heartland ESCI again on XX/XX/XXXX. The supervisor apologized for the woman who placed me on the rehabilitation program incorrectly ( she advised that no one at Heartland is authorized to do this!?! ) and advised she would remove me from it. However, she then suggested I put my loan in forbearance. I told her I do not want to do that because I'd much rather pay the loan. 

When I asked her why I was receiving late payments when I have been making my payments on time and according to the original agreement ( quarterly payments of {$120.00} ), she explained that the late payments are from XX/XX/XXXX when I was with a previous loan servicer ( XXXX ), but because I went on an in-school deferment shortly after, Heartland is reporting them now. 

This is a clear violation of the FCRA. Heartland ESCI has incorrectly reported 180 day late payments on my credit report from XX/XX/XXXX - XX/XX/XXXX for late payments that occurred in XX/XX/XXXX. I am attempting to purchase a home and I would like for these late payments to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Sent credit bureau FTC identity theft report and they still refuse to remove/delete inquiries.

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 2019-06-29
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
A NEW COMPLAINT! 
American Express keeps pulling the same unprofessional mess by holding my money that is credit back to my account. They keep my money tied up unnecessarily for ten days or more. They are holding {$510.00} and {$120.00} when it was credit back to my account. The employees talked revolting and show they are power hungry. The manager said to me ; she didn't care if I filed a complaint through theF.T.C. American Express talks down to consumers. This company has a high disregard for XXXX and Veterans. If a company is giving a XXXX Vet a hard time, imagine what they are doing to the regular consumers. They are robbing others and me. They must be shut down or locked up. Are they too big to fail?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is not following FCRA laws and regulations. They are reporting XXXX   XXXX on my credit and shouldnt be. I sent a validation letter and they sent me a response saying it was verified. Who verified it? I received no proof, nothing. I then sent a second letter and within a week they said its verified? Once again no proof. I asked for proof a consumer contract with my signature on it and they ignored me not following section 609 or 611. Ive contacted XXXX  and they cant show proof either so why is this on here. Experian needs to fully investigate this and not just press a button on a computer and show me the proof of there finding like I asked for or immediately delete

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 2018-01-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On more than one occasion, navy Federal offset a late payment from my checking account without proper authorization. Several times, the payment has been automatically collected by their automatic collections system. To be specific, the most recent offset occurred XXXX XX/XX/2018. It is my understanding that federal regulations protect me from these sort of collection processes. Also, I was assessed a late fee on XXXX XXXX which is when my loan is due and the payment was made in full on XXXX XXXX. I am under the impression that fees are not assessed until the 10th day after the due date. I went Into their branch located in XXXX XXXX, TX and the representative was not at all helpful. She told me that if my loan was late, they could take the money from my checking account. I told her that was not right and she said that they can take the money from any of my navy federal accounts but not from external accounts. Does not sound at all accurate to me! My attempts to resolve with the company have been unsuccessful, therefore I am left with no choice but to escalate. I thought that navy Federal had corrected its collection processes but apparently not. Thank you for any assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation