BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: MI
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:
I am the original creditor and natural person. I did not give this company written consent to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am the original creditor and natural person. I did not give this company written consent to furnish my consumer 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
FEDLOANS are breaking facra fair and accurate credit reporting act by putting on there that you disagree when you dont disagree and never filed a dispute with them or anybody regarding Fed loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage through Chase Bank for a few years on a propertylocated within a designated flood zone. Each year, Chase sends me a letterrequesting proof of flood insurance that can be submitted XXXX of XXXX ways : mail, fax or online. When I attempt to fax the documents, their fax line doesnot pick up. When I try to submit it online, the site is down or malfunctioning. 
When I mail it, they claim they never received it. My insurance provider hasthe same issues when they try submitting the documentation. Last year, Chase purchased a flood policy on my behalf and charged me anastronomical rate after claiming they never received my submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I tried to contact Experian several times for them to remove all these names and addresses that are inaccurate and they are not removing anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single-family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type Single-family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo bought my mortgage eight years ago. I have never missed a payment or had a late payment. I have had numerous problems with them. Last year I ended with an escrow overage, but less than the two months they told me I had to have at the end of the year. They increased my escrow payments by {$25.00} a month so that at the end of the year I would have two months overage. Then a month later they told me they were increasing my escrow payments another {$34.00} each month because they ESTIMATED my taxes and insurance will increase. They won't tell me how they estimated the increase or how much each one would go up. They told me there was nothing I could do about it. I am XXXX, XXXX, and raising my XXXX year old daughter. This increase in my payments is a lot to me. I told them they collect a lot of money from Americans each year to make loans with and receive interest on. At the same time they don't pay us any interest on the extra money they collect from us each year. Can they do this?

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 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In the past 30 days, there have been numerous instances that have resulted in our institution fraudulently and without cause having money taken from our account, by Bank of America. The first instance was on XXXX/XXXX/2016. A deposit was taken to the XXXX XXXX BOA, counted, and we were given a deposit slip. Later on, we noticed {$3100.00} has been deducted without our knowledge. We were later sent a piece of paper a deposit totaling {$6200.00} was missing {$3100.00}. There is no way their correspondence was even close to accurate. We went down to XXXX XXXX, where the young teller who counted the money admitted that the whole amount was in the deposit bags when he counted it. He was given stern looks, and then employees began searching through the trash ( hopefully they were n't looking for the deposit! But the timing was obviously suspect ). After speaking to XXXX XXXX, a representative at the branch, they eventually decided to credit us back the money ; however, they put it into the wrong bank account, and we had to have it transferred over. This was the first instance of Bank of America taking money from our account, saying we never deposited it even with a valid deposit slip. 

Next, on XXXX/XXXX/2016, Bank of America decided to deposit the same deposit into our account twice in the amount of {$1300.00}. Upon being alerted to their error, they they proceeded to deduct {$1300.00} out of our account, which is obviously {$20.00} more than their original error. Again, we had to call XXXX XXXX. Although we received no follow up call, the issue was eventually resolved, and the bank account does not even reflect their initial error, which is odd. 

Finally, on XXXX/XXXX/2016, we received another notice from Bank of America. This notice says that a deposit of {$5900.00} had been missing {$1000.00}, and they deducted that amount from our account. Again, the money was counted at the XXXX XXXX XXXX, and we were given a deposit slip. Even with this evidence, they took the money from our account. After trying to call XXXX XXXX again to see where our money went this time, we were stone walled, and not given any further information and would not let us speak to XXXX XXXX about their discrepancy. At this moment, they still have the {$1000.00} they took from us, with no sign of them even investigating where our money went. 

This is the XXXX time in 30 days that this branch has lost our money. We have had to fight them to get the money back XXXX, and are now out {$1000.00}, with no reasonable reason. We have valid deposit slips, and we have the notices from company. And we are getting no response from the XXXX XXXX XXXX any longer.

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 2022-03-21
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
Company : Exeter Finance Ask to remove this from report due to a misreported information on credit report, also supposed sent to collection companies with different amounts. Also grossly over reported amount owed which severely affected my credit. Original Loan Debt of XXXX Car repossessed on XX/XX/XXXX. Supposedly XXXX XXXX XXXX sold for XXXX in XX/XX/XXXX. However car market had turned so they should have sold at auction no less that XXXX. Plus no deduction for GAP insurance purchased Received correspondence from XXXX, XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Received correspondence from XXXX XXXX XXXX on behalf of Exeter requesting {$14000.00} on XX/XX/XXXX Requested debt validation from Exeter and all they sent was original contract in XX/XX/XXXX Exeter sent letter later stating I owed the XXXX. 

Dispute debt with credit bureaus on XX/XX/XXXX and the outstanding balance was updated to over {$200000.00}!!! 

I have copies and screenshots of all this information I have copies and screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: OH
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:
A XXXX XXXX for Bank XXXX XXXX occurred on XX/XX/2022 on my Experian credit report. I was notified by my credit card company XXXX about the inquiry that I did not make.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading Experian is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} Experian is reporting OFFICE OF THE ATTY XXXX Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau

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 2020-04-20
Company: Experian Information Solutions Inc.
State: OH
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:
While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : 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 2017-05-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
my   XXXX   XXXX   XXXX   was declared a total loss after a hail storm on XX/XX/XXXX . My insurance company  XXXX  immediately sent a check in the amount of {$6800.00} dated  XX/XX/XXXX . I began calling Santander every few days to see if the balance had been applied to my loan so that we could move forward with getting GAP to pay the remainder of the loan. it was almost 3 weeks when I asked to speak with a manger worried the check had become lost. the manager assured me it can take some time to process and not too worry, i advised that my insurance company was also concerned and if much more time goes by they will consider stopping payment. A few days later the check was cashed, and I began asking them to please send GAP the forms needed to process the rest of the claim. Santander assured me they had already sent the needed documents and would refax them, all the while  XXXX  denies receiving them. Well a few days after the {$6800.00} was applied it was deducted from the account bringing the loan back to the full amount owed before the total loss. Santander assured me the payment was stopped on the check,   XXXX   proves it was not stopped.   XXXX    is now sending me nasty letters advising if they do n't get the info they need in 20 days they are closing my GAP claim. my loan is now 36 days past due and counting. My insurance company has spent numerous hours arguing with santander as well as myself. I have gotten no where, it 's ruining my credit, and now i 'm in a time crunch for my gap claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXX.XXXX.XXXX.XXXX.XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX  	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXPlease remove the following telephone numbers from my credit report : (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) XXXXXXXX(XXXX) XXXXXXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
RE: SPEEDY CASH CARD  #XXXXI WAS GIVEN A $XXXX CREDIT LINE. I AM XXXX AND NEED VERY EXPENSIVE MEDICATIONS. I WAS BROKE BUT NEEDED $XXXX   TO BUY MY MEDICINE. I APPLIED FOR A $XXXX LOAN BUT THEIR SOFT WARE FLIPPED THE LOAN TO A $XXXX.LOAN. I HAVE HAD TO EXTENDED AND THEY TOOK XXXX  DOLLARS OUT OF MY ACCOUNT. I HAVE A LOW VISION PROBLEM. IT CAUSED ANOTHER OVER DRAFT RESULTING IN ANOTHER $XXXX   PENALTY. I AM AT THE END OF MY ROPE.CAN YOU PLEASE HELP ME.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: Investigation took more than 30 days

Complaint:
I had my last car payment to make on XXXX XXXX XXXX car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- XXXX XXXX says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, XXXX, and TransUnion. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me XXXX amount, and then after reviewing the paperwork the company is charging almost XXXX x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX XXXX XXXX XXXX XXXX XXXX. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.

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 2019-08-15
Company: EQUIFAX, INC.
State: NV
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The school that I obtained the loan from was not accredited and it was also closed so my loans were suppose to be forgiven from the forgiveness program I Need you to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2023-07-25
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: Was not notified of investigation status or results

Complaint:
XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief