BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2014, there was a judgment rendered against myself and wife for unpaid rent. The facts were inaccurate, rent was paid, and there should n't have been a judgment. The current property manager agreed and we thought it was over. Nevertheless, the judgment was submitted and has been on our credit reports for a while, and we did not know. After attempting to apply for credit, we were denied several times and the hard credit inquires were also creating a negative effect on our credit rating. We notified the property manager, and they worked with us and were kind, because it was there mistake. They sent a letter to the courts, requesting that the judgment be vacated. After calling the courts, they seemed disinterested. The clerk stated, " if the judge decides to remove the judgment, we 'll let you know. '' We have been treated as if we were criminals. Maybe it 's because I talk with an XXXX voice and my wife has a XXXX last name and we were profiled. We are not the criminals. In fact, it against the law for the judgment to even be on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
i have contacted Exqufax numerous times in their Exective office each time I am dealing with a XXXX who is not taken my complaint serious I sent a certified Letter asking for the help of the General Counsel and was told by the XXXX Operator I was n't getting anyone, they block my number I have to block theirs to call, they have XXXX inquires that should not be when auto shopping only XXXX is to count against my fico score they are counting all of them, XXXX is not, I feel because I am white they are not helping me, they are not taking off duplicate student loans the government purchased the loans they can see this but yet after I filed bankruptcy they still insist on reporting the negative duplicate student loans XXXX back from 1993. I have ran numerous discrepancies I feel they are not helping due to my race. They are making my health worse I have XXXX and XXXX they are rude and do not do the job they are supposed to do, I feel if I where XXXX they would help. 
certified letter when out two weeks ago still not contact and tried to call the operator again she told me I was not talking to anyone, now since I told them I thought this was a race issue they blocked my number, so you figure it out, only XXXX work there except for the executives, and the customer service, the executives office is all XXXX the operator is XXXX and she hangs up o on you and does not care, I have phone records to prove this, I want this XXXX off my credit, the auto shopping I should not have XXXX different ones each counting and lowering my score,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.

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 2015-09-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: General Motors Financial Company, Inc.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
GM Financial is reporting negative account information to the XXXX major credit bureaus. I have faxed, emailed and called about the inaccurate late payments and they have not as of yet corrected my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Optimum Outcomes has been reporting a fraudulent collection on my credit reports. I have a fraud alert on my credit reports. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit reports. Optimum Outcomes continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints against Optimum Outcomes with the TX Attorney General, the BBB and the NC Attorney General. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have X 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & NC Attorney General offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I already complained about BOA about a issue to cfpt ( Case number : XXXX ). The BOA contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the BOA. BOA is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from BOA side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with bank of america # XXXXOur BOA Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been fighting with the former XXXX XXXX, now Navient, student loan servicing for over a decade. My loan ballooned from late fees tremendously during this time period and has increased my payoff time by at least 5 years. In light of this new class action lawsuit, I would move for all or part of my Navient loans to be forgiven. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient it reporting that I paid my loan late twice when it should have been in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Transunion should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i had a pay day loan with a company called XXXX XXXX. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( API Recovery Solutions ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment

Company response to consumer: Untimely response
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My private property at XXXX XXXX XXXX was locks where changed without my permission, my private personal property where destroyed and stolen. I hold no contract with well fargo as there claims are fictions as a Promissory Note can not be sold or assumed as a Promissory Note in accordance to the 1882 Bills Of Exchange Act, which considered a Promissory Note to be the same as cash, This Debt has been paid in full to XXXX XXXX XXXX XXXX on XX/XX/2020, the debt of Exchange has been signed sealed and delivered, in private to XXXX XXXX XXXX XXXX so what Wells Fargo is doing is fraud against my Estate. It'd also not fair that the cfpb and nysag sits backs and does nothing.

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 2017-04-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on Saturday X/XX/17 my employeer tried to direct deposit XXXX it was rejected by my bank. According to 5/3 bank the routing number was incorrect. My employeer called 5/3 bank with me and was told the correct routing number and my employeer read out the routing number to make sure that it was correct. On X/XX/17 my employeer tried to direct deposit XXXX into my account again. Again it was rejected 5/3 bank stating that the routing number was wrong. We called and talked with four different personal that told us four different routing numbers that was associated with my account. As of right now my employeer is unable to direct deposit money into my account because of their errors. I have tried to work out the situation with 5/3 bank however, they just keep apologizing and telling me to try to have the company send the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: ADP Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Wisely pay by adp refused to help me resolve the issue on my account regarding transfers that was unauthorized to be made out of my account while I was in a comma. I immediately contacted them and instead of helping me by giving my money back they ended up closing my account and none of my funds of XXXX dollars was retrieved. 

I contacted wisely in XXXX of XXXX about the transfers out of my account. The transfers was made XX/XX/XXXX- XX/XX/XXXX while I was in a comma from a bad wreck and I was battling XXXX! I thought my money was fdic insured but I have received no protection. 

My name is XXXX XXXX I was born XX/XX/XXXX Last XXXX of ssn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with  XXXX  many years ago and set up auto pay for the life of the loan. The loan was purchased  by Ditech Financial, and when it cam tim e for the final payment in  XXXX     2017, th ey failed to auto deduct the payment and charged me a late fee of {$50.00}. I called there customer service line,  XXXX  to complain on the evening of  XXXX   XXXX     2017,  and they refused to refund the late fee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED 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 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 2017-04-27
Company: Credit Bureau Financial Services, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have requested my credit report since  XXXX  stil l have't r eceived and on the  XXXX  still have not receive it them

Company response to consumer: Untimely response