BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NY
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:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX, Walmart transfered my Walmart card too capital one card services and said there will be no problems while this happens, we'll they lied, my card with Walmart I had with 10 years and 11 months with no missed payments at all. Once capital one received my account they closed my card and stated to me I had missed payments on my Walmart card and no payments at all, well I told them sorry that is wrong and is a lie, told them restore my account and they refused as I told them I checked my credit report and it shows no missued payments at all there company closed my account in good standings. Capital one transfered me to the fraud department and I said what fraud, they only fraud is going on is there agents that closed my account in good standings. Until now capital one still refuses to reopened my account as they have lied about missed payments on my Walmart card for 10 years and 11 months and there fraud department agreed with me fully too. This is very wrong of what capital one has done to me, I told them I will not pay on a closed account which they have done in the past to me and nothing has been resolved at all. I made disputes with the credit bureaus and they report things are resolved, nothing was resolved at all. Please call me for any information you need. Thank you XXXX XXXX XXXX note fully XXXX They discriminated against because I am XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15
Company: STERLING BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My husband ( XXXX XXXX ) is having a problem closing his account with XXXX  ( a high yield savings account with Sterling National Bank ). He called them this Tuesday ( XX/XX/XXXX ) to formally request an account closure and full ACH transfer of the account contents. Today ( XX/XX/XXXX ), they told us the the request have been neglected. We need this money ( for a downpayment ) and they are unwilling to compromise and expedite this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2017-07-21
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I opened a 10 year mortgage for my vacation home in Florida in XX/XX/XXXXwith XXXX. After about 7 years, I received notice that my account was being transferred to Seterus, Inc. and I should start making my payments to them. We live in Michigan and own a small business, we were greatly affected by the XX/XX/XXXXrecession. As a result we accumulated a large amount of debt which we committed to paying in full and not shirk our responsibilities by going to short-sale or foreclosure. We made our monthly mortgage payments to Seterus on a regular basis, but the payments were sometimes late. Not over 30 days, but we incurred numerous late fees. In XX/XX/XXXX, I called Seterus to make my final principle and interest payment and mentioned this at the time. They gladly took the payment over the phone to pay the principle and interest in full. They then stated that we had some outstanding late fees, I said I was aware of this and asked if I could speak to someone who might offer some assistance in reducing these late fees to close the account. The representative said she would send us a payoff statement and have someone call me. The statement I received did not show the amount that I had calculated as late fees. In fact over the next 5 months I received 5 different letters/statements all with different amount due of late fees. I attempted to reach out to a representative to resolve this issue. I was tossed from one representative to another, left numerous message and never received a call back, and was even hung up on. One time when I did speak with a rep. and asked about the discrepancy about the fee amounts I was told that since our last payment went 31 past due because of the holiday, that the system automatically billed us for another monthly installment even though the principle and interest was paid in full. Finally, in XX/XX/XXXX, after no viable correspondence, I decided that I would start making monthly payments on the account. I mailed in {$500.00} in good faith. A week later I called to see if they had received the payment and was told that my account was paid in full and I had a {$0.00} balance. I was unaware, that while I was trying to contact Seteraus to resolve the late fees that I was being reported negatively to the credit bureau. It took until XX/XX/XXXX to receive the Satisfaction of Lien statement from Seterus. Now my credit shows that I was up to 120 days late, which is very damaging, and I am trying to obtain a new mortgage. I thought after almost 2 years my credit would solid. Much to my surprise, because Seterus, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account : Unauthorized Hard Inquiry XXXX XXXX XXXXXXXX 15 U.S.C 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 a account without my written 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 2022-06-13
Company: General Motors Financial Company, Inc.
State: CA
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:
On XX/XX/2022, I reached out to the loss recovery department of GM Financial in regard to negative information being reported to the credit reporting agencies. GM Financial has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The GM Financial representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. GM Financial is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: National Credit Systems,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:
Since 2017, XXXX XXXX and national credit systems say i owe {$23000.00} dollars when i don't. As a result i have been denied XXXX mortgages. I filed XXXX disputes with XXXX   and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and XXXX and national credit ststems. I have no judgements against me from anyone. 

The refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$300.00} payment on my Capital One card on the XXXX. Also of today my available credit has not updated! I called and they said the payment was frozen due to suspicion. This is the third time they have done this to me. If I make a payment and it clears it should be posted RIGHT THEN. I feel they are discriminating against me as it has happened so often. They said it will post tomorrow, 7 days after payment. Too slow in this day and age and there is nothing suspicious about making a payment from the same checking account for months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this problem began in XX/XX/XXXX, my wife took out a mortgage with XXXX XXXX XXXX  with an interest rate of 10.5 percent and ceiling of 17.5 percent and they quickly sold the mortgage to XXXX XXXX and that is when the problem began. I hired an attorney from XXXX XXXX, XXXX XXXX, and when it came to going to court XXXX XXXX sold the loan the day before the court date to XXXX. to make a long story short the day before XXXX was to show up for court they sold the loan to XXXX XXXX XXXX. and it started all over again and XXXX XXXX XXXX sold the loan to Select Portfolio Service ( SPS ) the day before the court date. SPS has had the loan over 2 years and in trying to modify the loan to get the interest rate in line I have never talked to the same person twice. we filled out all the papers for the modification and before they could get back to us certain parts were outdated and had to be redone. Eventually they accepted the modification after two years of fighting to get it done but we have yet to receive anything in writing pertaining to the modification and have not done anything in a timely manner and the people we spoke to at SPS ( who was never the same person ) never noted the file and we had to repeat everything again. they say they have everything needed for the modification and a decision will be made in 30 days. We hired XXXX XXXX XXXX XXXX out of California who stated they looked at the files and feel it is predatory lending and forclosure fraud by all of these companies. they doubt if any of these companies ever recorded the change in going from one bank to the next.We have been in this house since XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: DISCOVER BANK
State: CA
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:
On XX/XX/2022 I made a online purchase from a online website called XXXX. Fake counter fake jewelry advertised as 14kt Gold ring. I took rings to authenticate metal and was told by pawn broker and jewelry store items were fake. I reached out to XXXX about returning items to seller and was immediately blocked by seller ; XXXX the vendor closed my case indicating window for returns was 3 days, I had just received items 2 days prior so my window was not closed! I contacted Discover Credit to dispute this charge and was told they opened investigation but never contacted me ; upon several attempts on my behalf to submit correspondence from sellers I was then after the fact told by Discover I required to get a Certified Counter fake investigator to sign off or provide me a letter with [ his ] Certification Seal indicating items are fake. I asked where I can find this entity? I was told by Discover to hire a lawyer! To provide me more details!? I was confused this requirement seems unreasonable as Discover is supposed to protect me. I need a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
My original loan servicer was XXXX XXXX XXXX and I was laser moved to XXXX XXXX. They were aware that I was going for PSLF but gave me incorrect information multiple times. First they failed to tell me I needed to fill out a deferment waiver while in school and working full time in public service for that time to count towards payments - that lost me 4 years of PSLF time. Next, they put me into a forbearance when I qualified for {$0.00} IBR payments and told me I was on a qualifying payment plan - this lost me another 31 months of PSLF time. Lastly, they failed to tell me that my XXXX loans did not qualify and actively told me they did since they were owned by DOE. Luckily the waiver will correct the last issue but it does not go far enough to correct the wrongdoing of the loan servicers in the early years of PSLF. My public service work is certified since before the beginning of the program - 2006 - but I still have many years until I reach forgiveness because servicers did not have my best interest in mind. For the program to work the way it was intended anyone with 10 years of service should be automatically forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Information is missing that should be on the report

Complaint:
Frankly an opinion formed by direct response from a lender- " Experian '' provided my FICA score. THEY- Experian outright lied to me if what I was advised is correct. Experian gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.

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 2020-04-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck for {$3800.00} on XX/XX/XXXX via the Wells Fargo mobile app. {$200.00} was initially approved. I called on Monday the XXXX to find out why the rest of the paycheck was not available and was told it would be available in my account today, the XXXX. 

That did not happen, so I called back today. I escalated through management three times but kept getting told that, because my account is relatively new, they put a hold on my check until XX/XX/XXXX. They kept insisting there is nothing they can do. No one is able to approve the funds. 

I can't afford to live off the {$200.00} they made available. I have bills to pay and four mouths to feed, not to mention we are in the middle of a pandemic. 

There was NO indication they were going to put an 11 day hold on my paycheck when I made the deposit. I would not have made it had I known that was going to happen. This is financial ruin for me and my family during a pandemic when I have XXXX kids and a wife to feed.

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 2021-01-19
Company: North American Asset Services, LLC
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 reported that my information was stolen. I never opened a credit card with XXXX account on my credit report XXXX. I called stated I never opened a card with XXXX, they said they were going to investigate. Never heard back from XXXX Back. I called a few times with no response, I need this to be resolved I wasn't able to purchase a house for my son and me and this is heating my credit to provide a home for my son and me. Please I need your help to clarify this matter.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
called to seek forbearance in XX/XX/XXXX and XX/XX/XXXX. got approved for XX/XX/XXXX. XX/XX/XXXX they say i max out. told them i was unable to make payment with low income. called to tell them im in XXXX school and was told i can get deferment. call back in XX/XX/XXXX and was told different and that i cant get deferment and that there no options that they can help with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA XXXX did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

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