BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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:
XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 


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, and XXXX XXXX XXXX reported to XXXX  that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection 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 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to Transunion, XXXX, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.

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 2020-03-09
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 belongs to someone else

Complaint:
XXXX, XXXX  and experian has accounts on my credit report thats inaccurate/not mine.

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 2022-05-04
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:
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation 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 non-monetary relief
Consumer complaint received 2019-03-12
Company: The CMI Group, Inc.
State: TN
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:
XXXX XXXX, XXXX. a company I have never had an account with placed a collections on my credit report. I contacted this company to tell them I paid XXXX directly and would like them to remove this account from my credit file as I have no relationship with this company. The young lady I was speaking to was rude and hung the phone up in my face. I have filed a complaint with this company regarding that lady 's 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 non-monetary relief
Consumer complaint received 2017-02-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender was provided our XXXX party authorization and a QWR on XX/XX/XXXX - The lender has failed to provide us with the requested information needed to properly assist the client - They have also been provided the XXXX party XXXX XXXX additional time, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - the lender is failing to approve and provide any information on the clients file - and is in violation of the clients right to counsel

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Why does a " charge off '' still show up on an account that was paid in full? The fact that I always paid this creditor, before using a debt solutions company, that was offered, through my main banking institution, as a free counseling service for customers who wanted to improve on their credit. I used the services of the debt solutions partner to clean up my credit, to pay my creditors timely, and to eventually raise my credit score. The fact that I paid the creditor in its entirety, and still have a negative " charge off '' is counter-intuitive! Also, what's the purpose of having companies that offer help with cleaning your credit, if it's still going to show a negative impact on your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit is showing Nelnet on my credit as a collection for account number XXXX in the amount of {$840.00} on XXXX. I have called NelNet and they have stated they do not have any late accounts for me and advised me to call XXXX  to which I did and they said that they have no overdue accounts for and I am in good standings with them and they are not showing anything in collects. I need this removed from my credit because I have made all known attempts to find out what it is and how to remove it and neither company has been able to assist me with it and each refers me back to the other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In  XX/XX/XXXX  I was forced to do a short sale on my home in  XXXX  Idaho., The mortgage holder was Bank Of Americ a .  THey took a year to process the short sale and it closed lat e  XX/XX/XXXX  or early  XX/XX/XXXX . I  have waited the required 7 years to get a new mortgage, only to find that Bank Of America did not close out loan until   XX/XX/XXXX .In  the meantime they sold the loan to  XXXX   XXXX   , who ha s been lax in crediting deposits on time.   Im  XXXX , retiring in 2 years, a  XXXX  Vet., with a credit rating from  XXXX  of  XXXX , and  XXXX   XXXX . I just ask Bank Of America to end this nightmare before Im to old to have any more decisions.

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 2020-03-09
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Three years ago, I opened a 36 month CD with USAA and a 36 month loan secured by my CD. The maturity date of the CD and the loan payoff date was XXXX XXXX, XXXX Per agreement, funds from the CD would be eligible for withdrawal on XXXX XXXX, 2015, with any remaining balance on the secured loan to be paid from the CD with any remaining balance after deposited into my USAA checking account. 

On XXXX XXXX, 2015, I electronically signed into USAA to cash out the CD and pay the balance of the secured loan. Upon log-in, I discovered that USAA had already taken the loan payment from my USAA checking account, which resulted in an overdraft of appx. {$7700.00}. I then attempted to withdraw the funds from my CD to cover the overdraft, but the USAA system would not allow me to access my account. 

Naturally, I called USAA and informed representatives of the situation, and I made the following requests : 1. I asked that USAA please RETURN the {$9500.00} they had TAKEN from my checking account and applied to the loan. USAA representatives could not ( or would not ) reverse the charge. 
2. I then requested my CD funds be released and deposited into my checking account as to cover the overdrawn funds. USAA representatives could not ( or would not ) provide me access to my CD account or money in the account, although the CD had matured that day. 

Moreover, USAA representatives agreed that my account was overdrawn in error and that the loan balance should have been paid with monies from the CD against which the loan was secured, and they were BAFFLED as to why I could not access my CD or withdraw the funds, but they had no suggestions or apparent means of resolve. I was a told that the money withdrawn from my checking account was a " systems '' issue and irreversible. I was also told not to " worry '' as the " system '' would return the overdrawn funds to my checking account by XXXX XXXX XXXX, minimizing the possibility of more overdrafts. 

RESULTS:1. A negative checking account balance that could not be reversed by USAA nor covered by me, because USAA would not give back the {$10000.00} I had invested 36 months prior with the good faith understanding that I could withdraw the $ XXXX and accrued interest on the CDmaturity date of XXXX XXXX, 2015. 
2. A secure loan DUE but NOT PAID because USAA had overdrawn my checking account and blocked my attempts to withdraw the CD funds that would have covered the overdraft and paid the loan amount due. 
3. NON PAYMENT of four checks posted to my checking account that subsequently bounced, due to the overdraft CAUSED by USAA, and the REFUSAL on the part of USAA reps to reverse the overdraft that USAA made in error or give me access to the CD funds that were due to me that day. I will provide documentation with exact amounts and dates, if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company escrows our monies for our taxes. As of XXXX XXXX, XXXX they have not paid our XXXX property taxes.

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 2017-12-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
ask for lower payments ask for repayment plan and keep forcing me into forebearce told them i ca n't afford the XXXX payment they refused to help me but call me 10-15 times a day about money all times of night

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was aroun d 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by remov ing it ( only t hey added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please 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 2017-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In  XXXX   2015, I an d m y Father refin ance my car wi th USAA Auto Loan and   included in the that refinancing an insurance of debt protection insurance what would cover both of us if either of us had  disability a nd/or death that the car would be paid in full. My father unfortunately passed and I became  totally    XXXX  . I sent in all documents to  USAA, death certificate as well as authorized them assess to my medical records. USAA, in  turn, cancelled the policy and back dated payment then stated that they notified me of this information which did not occur. According to the policy, the car was to paid off on full with either condition occurring, not a policy cancellation. I asked for help with situation to  get USAA AUTO to  fulfill their part of this contract of paying this loan off. They now contacted others that are not on the loan stating that the vehicle is up for reposssion and has negative reports on my credit which should not when the contact clearly states what should occur. This has been a disservice to my family and I have been a member for years. I was not  even notified by them of the issue I was told by other individual they told that was not on the loan ( poor consumer relations ) .NO ONE, NO ONE CONTACTED ME. I had to contact the company and none of information has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am asking you to look into Navient. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that Navient puts the payments XXXX makes from direct bank payments, to where Navient wants to apply them. Who does this? This also happened during XXXX. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Had bank account at XXXX XXXX with {$24000.00} in it. Requested a cashier 's check for same amount on XX/XX/XXXX. Deposited the check in my Chase account for same amount via mobile deposit app. Later found that Chase credited only {$21000.00} because the XXXX in the check amount is not as clear as it could be and could be misread as a XXXX instead of a XXXX. Clearly Chase should not have accepted the check for an amount different from the amount I entered online. I then had multiple contacts with the branch and they agree that Chase processed the incorrect amount and said I had to file a claim. I filed multiple claims and provided whatever information I could and yet they continue to deny my claims. After the second claim was filed Chase did deposit the {$3000.00} on XX/XX/XXXX but then reversed that credit on XX/XX/XXXX. I also contacted XXXX bank who says that they processed the correct amount and credited the full {$24000.00} to Chase. My last contact with Chase was last night ( XX/XX/XXXX ) from the " escalations '' department, who stated that my most recent claim was once again denied and they provided no reasoning for this. I am extremely frustrated and do not know where to turn when a big bank is taking my hard earned money from me. I am hopeful that you can assist me in recovering my money. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Entire Problem : I was pre-approved for a loan with XXXX/Avant credit on XXXX/XXXX/2015. When I was pre-approved I was given a list of reasons why the terms I was given and a credit score disclosure. At the time the date of the credit bureau pull was XX/XX/2015. My credit score was XXXX. The company provided me loan documents and loan disclosures to move forward with the loan. However I wanted to review. I phoned into Avant on several occasions after XXXX and was told that the approval was good for 7 days. I just had to finish the documentation and sign the documents to receive funds. I was traveling and was not able to complete the application instantly. I went to sign on XXXX, and was still able to complete the process but my computer froze. I tried later that day and was then given a denial notice with the same information that I was approved for. The denial notice was the same as the Credit Bureau Disclosure Notice for Terms. I phoned in to the call center at Avant and spoke with a rude representative XXXX. I explained the situation and she was very rude and was not willing to assist in a solution. I asked to speak with her manager several times and she told me her manager would not be able to help and tell me the same thing. I continued to ask to speak with a manager and she denied me several times until I was transferred to XXXX. XXXX was not very pleasant to speak and I ended up having to speak with XXXX the Section Manager. I explained my concerns and he told me he could not assist me that the compliance department would respond and they are only reachable by email. I explained that your company mislead me and that the reasons for denial were false and not accurate. You once approved my loan with the same information you were denying me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I recently got into a accident & my vehicle was a total loss I purchased my vehicle through XXXXXXXX XXXX for XXXX used XXXX XXXX XXXX  on XXXXnow that my vehicle insurance has covered all cost of my vehicle the lender which is BRIDGECREST has been giving me false information everytime I call about why the account isnt closed out yet I have proof that they are holding the money that was wired to my online account & not posting it for weeks I have proof they have changed the dates on all of the payments received by my insurance companies now that all of the money is posted to my online account they are saying its not posted yet but I can see it on my end Ive asked to speak with a supervisor or someone in charge theyve told me almost every time there not here today. Ive always paid on time.

Company response to consumer: Closed with explanation