BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance Corporat ion Charges betw een {$4.00} and {$12.00} to process your payments each month. I mail my payment as a cashiers check every month. This is a high interest loan because I have less than perfect credit due to hardships but I have not defaulted on my loan.     Last month the check was returned to me as undeliverable so I sent it again. I sent it the day before it was due this mont h ( so it will have the postmark date on it ) a nd because of the holiday they have not received it.     They call once per hour while I 'm at work and if I answer to tell them they get aggressive and tell me " then I should not have answered. '' The payment is not ev en one week late an d they start harassing, threatening to disable the vehicle and tow it. They actually towed it once and I had to pay an additional {$700.00} to get it back and get a bus to the neighboring state to pick it up.     All while charging {$4.00} - {$12.00} to proccess your payment and not allowing any modern method to pay your  bill ( electro nic deposit, not charging you to pay bill, etc ).

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 2022-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022 the first letter was sent to the XXXX bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit 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 2020-12-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank is my mortgage provider. 

Fifth Third Bank locked me out of my bank account by disallowing my email ( XXXX ) after 1.5 years of having this email. Unbeknownst to me, a hyphen was no longer accepted. When I realized that I could no longer access my online banking I went into Fifth Third Bank to make a mortgage payment and deposit money into my account.

Fifth Third failed to apply my payment towards my mortgage and deposited the payment into my checking. The account balance was not adequate prior to my deposit to cover the mortgage. I also have optional overdraft coverage enabled which failed to cover the mortgage charge even though Fifth Third states that bill pay is covered by the overdraft coverage feature.

I discovered that Fifth Third Bank reported to the credit bureau that have been past due on my mortgage twice and went to speak with my local branch manager. She stated that if I applied a payment with the late fee that it would not post as past due on my following monthly report. The branch manager made the payment in her office on my behalf only to discover that it was still reported as past due. I have been current every month following this misapplied payment.

With many failed attempts trying to work with Fifth Third Bank to revise this I am formally submitting this complaint and will further escalate this to legal action if not revised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I had an Amerian Express card about a year ago which I cancled. A few months back I recieved an offer in the mail from American Express offering me a free year plus XXXX bonus miles if I put {$3000.00} on the card in the first 3 months. I called the phone number on the offer and spoke with the agent. She asked me specific questions and at no time did she ask me if I had an American Express in the past. She did ask me if I currently have an American Express card and I stated no. After a few more questions she ran my credit and stated that I qualified for the card and should be receiving my card in a certain number of days. I received my card in the mail and started using it immediately and put more than the $ amount on it required to receive the bonus miles. Last weak I contacted the company to find out why my balance was not showing the correct balance with the bonus points and she informed me that I did not qualify for the bonus miles because I had a card in the past. I stated that that was not ever discussed over the phone with me when applying for the offer. I spoke to a supervisor and received no help. American Express obligated themselves to giving me these bonus miles because i upheld my end of the bargain and never once disclosed any information from them. They are the ones who approved me for the card and mailed it to me to use. They never once called me to tell me I would not be receiving the offer promised. I therefor stopped using my other card that I would have been putting miles on to grow that balance just because I wanted the bonus miles from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX of Inquiry XXXX/XXXX/202

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 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On  XXXX   XXXX ,  2017 I dep osited {$380.00} cash into a Bank of America ATM on the corner of  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX   XXXX , GA. The Atm had difficulty accepting the cash but did take it, then spit out a ticket saying, " We are unable to process your request and can not return your item  ( s ).  '' It also listed a  XXXX  number to call. I called the number and reported the incident to Bank of America. A gentleman took all the information and promised the credit would hit my account with in 7-10 day s. When 10 days passed and I still was not credited I called again. After being transferred numerous times they finally stated that I just needed to be patient that it would be resolved  in 7-10 BUSINESS days. After 7-10 business  days I called back again, was again transferred between multiple departments and finally told, they are still, '' looking into it. '' From my perspective, Bank of America has taken {$380.00} from me and every attempt I make to resolve it results in being sent in circles.

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 monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has failed to verify accuracy of account : XXXX 
Experian have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Experian have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Experian must comply with the law by providing the requested information within the 15 days allowed. 

Account : 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 2020-01-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXTREMELY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING AS DEROGATORIES ON MY CREDIT FILE. THEY HAVE BEEN REPORTING INACCURATELY AND INACCURATE TRANSACTIONS. THEY HAVE CAUSED TREMENDOUS HARM AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE AND HAVE THEM PURGED PERMENENTLY OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our problems started when Freedom Mortgage replaced XXXX XXXX manager of our VA loan. Freedom paid our homeowner 's insurance premium a second time. We were not aware of the duplicate payment until XXXX 2016 when we received a refund check from XXXX XXXX. XXXX We had not received any correspondence on this issue from Freedom. regarding their overpayment prior to received the ins. co 's refund.On XXXX XXXX, 2016 we sent a letter advising the refund and enclosed our check for {$1700.00} with a request that the money be returned to our escrow acct. The check cleared our bank on XXXX XXXX, 2016. We received a letter from Freedom dated XX/XX/2016 advising our escrow acct was being increased by {$170.00} per month to a total of {$610.00} per month. XX/XX/2016 we sent another letter asking why our payment was not credited to our account? We still do not know the answer. We have made multiple calls to Freedom multiple reps have not given any explanation in addition copies of my letters have been faxed twice to Freedom. XX/XX/2016 received letter requesting 30 days to respond to my claim, as of XXXX no response. XX/XX/XXXX rec 'd letter advising our acct in default, until {$170.00} paid. Letter indicated we would be sent to collections. To avoid late fees and possible black mark on credit history we allowed bank debit payment. Rep promised us that sup'r would call us within 2 days, still no contact. XXXX XXXX, 2016 Sent another letter with copies of my prior letters. Dispute now 3 months old, requested that we either get credit to our escrow or a cash refund within 10 days for our payment of {$1700.00}. Freedom Mort has caused us a tremendous amount of stress over their error. We are senior citizens and we feel the company is taking advantage of us with their total disregard for our rights. Their reps have apparently made no effort to correct their mistakes or to return our calls promptly as promised. Obviously, we need some help.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested Experian three times to remove a collections account that was never supposed to be added to my credit report to no avail. The reporting agency stopped reporting this back in XXXX of 2019, but experian is still posting this on my credit 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 explanation
Consumer complaint received 2016-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
1. In XXXX 2016, Fifth Third Bank provided me and my husband with a prequalification letter for a construction to permanent mortgage loan on our primary residence. After notifying them at the end of XXXX 2016 that we were ready to proceed and supplying them with sufficient info for an application, we did not get a loan estimate until the end of XXXX. 
2. Without our knowledge, our loan application was made inactive by Fifth Third even though we were actively communicating with our loan officer for an XXXX XXXX closing date and repeatedly being told the loan closing was on target. Construction on our home had been scheduled to start the day after closing. Five days before the target closing date, our loan officer informed us that the closing would not occur on XXXX XXXX and our file had become inactive due to Fifth Third not setting up our contractor in their system. We were told by our loan officer and her direct manager that the only way we could proceed with a loan from Fifth Third was to reapply. All scheduled construction work had to be halted and our project was delayed through no fault of our own by 7 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX used my bank account information to make an unauthorized withdrawal. I made a payment on my account on XX/XX/XXXX and the next payment was due on XX/XX/XXXX. Without my consent, Ally authorized an additional ACH withdrawal from my bank on XX/XX/XXXX. When I called to inform them of the unauthorized transaction, their only response was that they would apply it to my payment due on XX/XX/XXXX. This action caused my bank account to be overdrawn and they refuse to refund my money.

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 2021-10-07
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has reported to XXXX, XXXX and XXXX that a payment were not received for {$280.00} on XX/XX/2015. My XXXX XXXX statements show that the payments were processed.

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 2022-08-06
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 reinvestigated my credit report, I discovered that some of the accounts were erroneous. The 3 credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}

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 2021-08-11
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  XXXX/XXXX  XXXX  stated I owed them money for a rental moveout adn reported me to Rent Recovery. I contacted XXXX XXXX XXXX  and made a settlement to resolve the issue for which I paid them. XXXX XXXX/XXXX XXXX provided me a letter stating it was resolved, but they will not contact Rent Recovery to clear the debt off my credit. I attached the letter they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with Cardinal, during which, I was expecting lower escrow payments due to a lapse in the previous year of my Homestead Exemption. Once I received my new tax bill, the amount was much lower than the property taxes Cardinal were using. I contacted them to request an escrow analysis be done and I was told to send an email to a specific email with my loan number and new tax bill. I sent the requested information and I received an automatic response detailing I would hear from a representative soon. I never heard from one. In fact, after 3 months, 10 phone calls later, I was told my escrow wouldn't change because the differential amount was less then ten-dollars. I explained how could there not be a greater than ten-dollar change when my property taxes were lowered by almost fifty-percent? I was then told they were still using my old tax bill, and I would have to send in a new tax bill to the email I had already done so previously. I once again, obliged and re-submitted the necessary material, and once again nothing was ever done. One month later I get notified that my loan was sold and no longer serviced by Cardinal. Four months with Cardinal and it was an absolute nightmare, and not once did I ever receive correspondence in regards to my issue, nor someone contact me. I am never one to voice my dissatisfaction but I felt I needed to. I contacted Cardinal one last time to speak to a supervisor ( XXXX ) who listened to my lengthy recap, only to be met with a response " I'm sorry but Cardinal no longer services your loan. '' On top of the poor customer care, the company has unethical practices. Normally there would be an automatic survey that prompts at the end of the phone call, and for every time that I called dissatisfied the representative would purposely wait an extended period of time to hang up in hopes that I would disconnect the call first to avoid a bad survey. This happened many times, and even with the supervisor. This tactic was very obvious and I even addressed it with the supervisor after thirty seconds of silence I said " I am going to fill out a survey I hope you know '' she responded right away, " Oh I didn't know ''. As a consumer I had no choice but to voice my concern, it is very scary how a financial company can operate like this.

Company response to consumer: Closed with explanation