BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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 status incorrect

Complaint:
There are three accounts with XXXX XXXX XXXX XXXX ON MY CREDIT. I don't owe these accounts. I contacted XXXX XXXX. They gave me a letter showing that they are indeed paid and they asked all three Bureaus to delete it from my credit file. Equifax is the only bureau that refuse to delete it from my credit. I sent the letter from the agency and the agency asked them to remove the account, yet Equifax continue to report it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Commercial Acceptance Company
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:
The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Navient Solutions, LLC.
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:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Phoenix Financial Services LLC
State: TX
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:
There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with Phoenix Financial XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows Phoenix Financial service opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bbva compass has now charged me twice in the amount of XXXX to remove XXXX dollars for a California levy order. XXXX dollars have moved from my account to the levy order, but bbva happily charged me XXXX for transferring XXXX dollars. After there was a negative balance they charged me XXXX dollars for clear benefits which will cause XXXX dollars in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited XXXX check account was flagged for XXXX checking and savings was frozen and ins check was held. This has been since XXXX. I received a check for savings today but nothing for checking or ins check. Have called and went into bank several times I am not able to get access to my money at sll

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19, shortly after using my credit card for a purchase, I received a text message from XXXX stating " Notice XXXX from Chase-Bank Code : Card temporary locked. Please call us now at XXXX " When I called, I was asked to enter my " debit card number, '' and immediately hung up. I don't have a debit card with Chase Bank, and I realized my credit card was with another bank. I called the number on the back of my card, and there was no lock on my account. I also called Chase Bank to report it. They had not made the call. I have since heard from someone else in my geographical area who received the same message from Chase-Bank. I just wanted to report this possible scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2021 I received a deposit for money owed to me by a government agency for {$17000.00}. Before I used this account I called The serve customer service line on the back of my card and asked them if a deposit of this size was ok and explained that these were funds were owed to me by a government agency namely the SBA. I was told that all was ok by the representative and I could initiate the deposit. The representative told me I just couldnt withdraw that amount right away as it exceeded the monthly allowed withdraw limit, which was fine because I didnt plan on withdrawing it. So I went back and contacted the funding officer that was my contact person at the government agency and they initiated the funds to be transferred. Later that day I find out that after the funds went to my account Serve froze my account and suspended it. Im not sure why. I went through a very rigorous approval process for this money and it has been owed to me for months, my account was verified with the government and the company who was in charge of initiating the funds on their behalf. This was my account and they approved it to be sent to that account. My person of contact at the SBA and my congressman recommended I file a complaint through the CFPB, both were aware of the process I went through to get this money that I was owed to me. As they are the ones that helped me with the paperwork to get my money back a few months ago. My contact person at XXXX XXXX told me to do whatever the officer at the sba said to do, as they are just an intermediary that sends the government approved and backed funds to the accounts that are given to them from the Multiple government agencies in my case the sba. What did I violate by having money owed to me by the government sent to my account? The company that sent me the funds was only doing so for the government and I have tons of paperwork to show if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GM Financial has failed to correct erroneous information submitted to XXXX, XXXX and XXXX CRAs. 

The accounts on my credit reports are not reflecting the correct or consistent " purge from '' dates. They have been illegally re-aging this debt. Additionally, they are illegally inflating the amount owed even according to their own internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account with Wells Fargo was overdrawn by over {$200.00}. At that point I submitted a request in writing, using the secure message portal from my online profile to have my checking account closed. Wells Fargo chose to leave my account opened for several weeks while charging me excessive fees for attempts made on my account to collect payments. Wells Fargo also processed many of the transactions, putting me further in debt. By the time they decided to close the account, my checking account had been over drawn by almost {$2000.00}, with almost have being attributed to fees. This is a clear violation of what they have vowed to do different after being fined for the same behavior.

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 2021-10-01
Company: EQUIFAX, INC.
State: OH
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Seterus did my yearly Escrow Analysis on my mortgage on XXXX/XXXX/15 and am entitled to a refund of {$1000.00}. According to the Statement I received that refund was to be sent to me within 30 days. I have contacted them 3 times about the status of my refund and they lie to me, giving a specific week that they never meet and giving excuses. This is my money and they have no right to hold on to it. There must be some kind of law that they are breaking and I feel that they should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received treatment for my injuries, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the treatment I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: U.S. BANCORP
State: CO
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:
In the process of adjusting our escrow with our Home Mortgage lender, US Bank XXXX Mortgage, our Auto-Pay option was turned off without our knowledge or consent, therefore resulting in a missed payment on XX/XX/21. We were notified of this via USPS mail which was sent out on XX/XX/21. Upon receiving this communication we immediately logged into our account and turned our Auto-Pay option on again as to complete our payment for the month of XXXX. In communicating with US Bank, the change to our Auto-Pay was made on XX/XX/21. I have no supported evidence in my browsing history related to US Bank on or around this date. We were notified on XX/XX/21 that our credit had been impacted by a 30-day late payment by XXXX and XXXX. Upon receiving this information we immediately followed up with US Bank XXXX Mortgage, who confirmed that because our Auto-Pay was turned off not only did our XXXX payment not process, our XXXX payment did not process as well. We took the necessary action to make our account current again, and confirmed that our Auto-Pay option would in fact auto-draft go-forward so that we will not run into this issue go forward. 
We believe that this was truly an internal error on the US Bank side while making other changes to our home mortgage account and we are being unfairly punished in the process of resolution. We have disputed this information with all 3 major credit bureaus as well as internally with US Bank and have not had any resolution thus far.

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 2020-04-08
Company: Experian Information Solutions Inc.
State: GA
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 disputed some things inaccurate on my credit report with Experian credit bureau. I disputed hard inquiries to my credit report on XX/XX/XXXX and the company didn't provide me with information regarding my dispute and the inquires still remain on my credit file. I provided to them the following inquiries were not authorized by me and asked they be deleted.The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Also on XX/XX/XXXX I sent a certified letter requesting the removal of inaccurate Credit information on my credit file and asked that those items be updated or removed. I asked for XXXX which is reporting late payments to be updated or removed. I received an update online yesterday XX/XX/XXXX that it was updated from the processing of their dispute but nothing was changed ( and I provided my payment history to them along with my dispute ) I disputed XXXX XXXX XXXX  asking that it be eradicated from my credit file as they are alleging negative claims and still yet deficit proof of truth or correctness. The update received by them XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX/XXXX  Card as they were reporting late payments. I provided a copy of my payment history to them, the update I received XX/XX/XXXX states it was updated, but there was no change. I disputed XXXX XXXX XXXX asking they eradicate this from my credit file as they are alleging negative claims and still yet deficit of proof of truth or correctness. The update received XX/XX/XXXX states it was updated but there was no change.

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 2021-10-01
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I sent a letter to both Transunion and XXXX  requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX showing that inaccurate items that were deleted, and they have yet to correct my report on their end.

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 2015-06-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I ordered my credit report and seen that XXXX had this account as marked as a charge off. I disputed that because I had a paid in full letter dated XX/XX/2012. At first they updated it to paid and listed different dates that were late. I disputed it again and the dates delinquent changed again. I disputed it again. The dates changed again but never corrected this to never late. I contacted them to contact XXXX and they said the did not and would not call XXXX. I said well I dispute this again and within an hour its updated and not investigated. I explained that the car loan I had was for a vehicle that was in a accident and the vehicle was totatled. THe insurance company sent them a lump sum check. I also moved right around the time of the accident and when I spoke to XXXX at XXXX she did say correspondence was sent to me that the deductible was my responsibility. I asked her if they got the letters back since I had moved. She said it was noted that the mail was undeliverable so they began contacting me via phone at which time I did give them an over the phone payment to clear the account. The contact Equifax again today. I was told there is nothing they can do and there is no law obligating them because of errouneous mistakes to change the information. I told them I had the paid in full letter and they said they were not breaking any laws. However they are. They are not even investiaging this as they should. They refused to contacted XXXX other then electronically. Equifax is aware by how many updates they have made to my account that XXXX continues to provide them with accurate information. I spoke with a supervisor today his name is XXXX and then his supervisor XXXX Who said there is nothing more we can do and this would need to be disputed with XXXX and not them. My rights are being violated. and I want this looked into more. They admitted and acknowledged that there were errors but are refusing to fix it or investigate more thorough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.

Company response to consumer: Closed with explanation