BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: SIMMONS FIRST NATIONAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Simmons Bank. Two accounts. 
I had XXXX contact them XX/XX/2020 to CLOSE the account. Simmons closed accounts as per XXXX. 
Out of the blue this month, they are showing in my credit report! 
How can they close my accounts and then a few months later- make the accounts ACTIVE AGAIN?

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 2016-12-28
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XXXX XXXX, 2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

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 2020-12-30
Company: Mercedes Benz Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, On XX/XX/XXXX and XX/XX/XXXX my XXXX  credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from XXXX. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from Mercedes Benz Financial requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from Mercedes Benz Financial Services stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to Mercedes Benz Financial Services who pulls it again. I stated that the dealer did not indicate that MBFS would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: AR
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:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, 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 accordinace with the fair credit reporting act. XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
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 accordinace with the fair credit reporting act. XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2020-12-30
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XXXX of XXXX  we closed our mortgage with Pentagon federal credit union, after a 6 month process of misguided, multiple contact failures in their process. At closing the title co paid the taxes XXXX XXXX in the amount of {$3900.00}. This shows up in the county record as the title co paying this amount. 
On my XXXX penfed mortgage statement they show a disbursement for the same amount to the county that was paid on XXXX for {$3000.00} the county refused the payment, because it was already paid. 
My escrow had a negative balance till XXXX. The XXXX statement showed a $ XXXX deficit in escrow. 
Even though I have asked multiple people to fix the problem and find where the check number went that was issued to the county, they will not accept responsibility, nor put me in touch with some one who can. I think they owe me interest on the money not in my account as well as an effort to fix the problem. They just sent me an increase in payment statement for {$500.00} more per month to fix the problem they won't. I have spent hours on the phone trying to get som one interested in this problem.

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 2017-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 is missing that should be on the report

Complaint:
I have XXXX accounts XXXX XXXX XXXX XXXXXXXX Bank of America XXXX XXXX XXXX services But on my report they show only XXXX accounts and that 's the reason my score went low

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 2017-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried several times to submit a dispute for an error on my credit report with experian. Both   XXXX    and   XXXX   have correctly deleted this account but Experian is refusing to investigate this matter and report correct information. This has caused serious damage to my credit report and my life style.   XXXX   XXXX   has reported incorrect collections account for a court judgement which has already been paid. This information needs to be verified and deleted off my credit report as a collections account.

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 2022-03-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  SS # XXXX, has violated my rights. 

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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2020-12-30
Company: ALLY FINANCIAL INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Ally Bank has not transferred the money from a CD to another bank despite meeting their every request. Every time I comply with their request they require an additional information. I have spent hours with them on the phone. It appears to me that this may be a failed bank that doesn't have money to wire out. I've talked to three different people over eight days and each time I'm told a different story. I offered to drive to Missouri from XXXX, Ohio where the bank is located but the bank people I spoke with say there is no physical place to present myself. The Ally Bank website says they wire money out money the same day after verification. The people at the bank always create a new roadblock. I faxed my driver 's license to them and received a verification from my fax system but they said they can't locate the fax. Then they told me it takes them 24 hours to receive a fax. The next day, after 90 minutes on the phone with the bank people they told me I have to know the phone number the fax was sent from. My fax is attached to my office phones and its a roll over system so I don't know the fax number. Then they told me my signature doesn't match my driver 's license signature so I had to sign the form again like the signature on my license and send it on their " secure '' email system. XXXX ( employee # XXXX ) ALLY floor supervisor, said he doesn't know who regulates his bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Regional Acquisition Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
These people continue to call my sister, parents, grandmother and worst of all, my place of employment. They have called every branch of the company I work for in my town and neighboring towns. They are very rude and aggressive to my coworkers, using profanity and telling them if they do not release information about me then they, too, will be served with papers for " noncompliance ''. They will not tell me who they are or even what company they represent always calling themselves XXXX XXXX or XXXX. They have left voicemail messages telling me they will be sending an officer from XXXX XXXX to my home and if I am not there it will be rerouted to my work. They give XXXX street addresses, so they know where I live and work but refuse to send me anything in writing. I have called them back XXXX and requested information in writing but have not received anything. The XXXX time they told me to stop calling their office and the other time they said " well at least now we know where you work '' and hung up. They XXXX tell whoever answers the phone that they need to talk to my boss, using my full name, and say I must be located due to a serious legal situation, I am being sued, and that anyone who helps or tries to help me avoid being served will also be arrested and prosecuted to the fullest extent of the law. I am very concerned I may lose my job if this continues. The people working for this company just keep calling sometimes up to XXXX times in XXXX day and are telling anyone who will listen that I am a criminal but yet, when I talk to them they wo n't give me any information and use fake names.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including Capital One. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including Capital One. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT Capital One. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : Capital One sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX and XXXX PA ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted Capital One and they have verified the debt as legitimate. 


Capital One is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Bank of America, pulled a soft credit inquiry to make a decision, while Bank of America pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I would have declined to continue. Their lack of informing their customer resulted in a XXXX point decrease in my credit score. They should be obligated to educate their customers on their process prior to pulling a customer 's credit, which may negatively impact them.

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 2015-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First off, I finance my XXXX XXXX XXXX XXXX through Chase Bank, and not my normal bank, XXXX XXXX. I do not have an active credit or debit card through chase, however I do have a car loan account and that is all. All of my finances are banked through XXXX XXXX  where I actively have 5 accounts open through them. 

On XX/XX/XXXX, I believe, I logged onto my Chase bank app and scheduled my car payment to come out on XX/XX/XXXX, instead of the traditional XXXX of every month. With the XXXX being XXXX, I figured it was the responsible thing to do. Yesterday morning on the XXXX of XXXX, my payment for my car loan came out of my XXXX XXXX  checking account, {$390.00} as scheduled. This morning which is now XX/XX/XXXX, ANOTHER CHARGE for {$390.00} came out of my account, making it a double charge for my car payment. 

I caught onto this double charge and immediately started making phone calls! My first call was to Chase, in XXXX, CO off of XXXX XXXX, and they were very non-helpful and just directed me back to calling XXXX XXXX  ( where my accounts are located ) and left it at that! 

So after calling XXXX XXXX, those folks told me the right thing to do would be to call Chase back and speak to a manager about the situation. Although the XXXX XXXX  employee was very helpful and even said he could start the dispute but I wouldnt get my reimbursement funds in a reasonable timeframe he still thought that I would be better off taking up situation with Chase because technically it was their mistake in the first place. And even if it was a user error on the app, I should still be able to have access to my rightful funds when a transaction is disputed, right? 

So as of now, I talked to Chase once again in the Auto Loan department, and they have squared away the refund, BUT I wont have the funds available until XX/XX/XXXX? This is what angers me!!! I am currently on vacation ( we left this morning ) and now I am out basically {$400.00} that I can not use. The gentleman from their customer service department said that with the upcoming holiday XXXX XXXX XXXX  ) I wouldnt be able to access the refund funds until the XXXX of XXXX? 

WHY WHEN THEY ARE ACTIVELY STILL WORKING THE NEXT 2 days!!!! Why do I have to wait until the XXXX if they have employees working until the holiday?? I just want this squared away, and I would like my funds in the next day or so, so I can enjoy my vacation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: DISCOVER BANK
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:
Errors from DISCOVERY FINANCIALS SERVICES are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.

Company response to consumer: Closed with explanation