BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-15
Company: Nationwide Biweekly Administration, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX my wife set up a bi-weekly loan payment plan with what she thought was a department of our lender and with no extra fee 's. XX/XX/XXXX we noticed the payments stopped. I contacted my lender and was advised we had a third party that was paying and to contact them. I found it was a company called " XXXX XXXX XXXX '' and after several attempts, I was finally able to reach someone in that company ( XXXX ) on XXXX/XXXX/XXXX. My wife was unaware that there was a fee in the contract that she signed. The company has since had their bank backing dropped and can no longer provide service to us. I was promised a follow-up in 1-2 business days and patiently waited 5 business days before calling back. I called back and got XXXX who got me in contact with a supervisor named XXXX. She refused to do anything, but advise she will not refund or help in any way. Number XXXX on the contract we signed stated that their half of the agreement is to pay the payments in full until the loan is paid in full. XXXX also advised on the phone they guarantee all payments will be paid in full and on time and this guarantee is not upheld. This agreement and service was not made and essentially we paid over {$360.00} for a service that was in no way upheld. I was advised that your Bureau is leading a lawsuit towards them and am reaching out for assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: MD
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 This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major 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 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I want to make a complaint with Capital one credit card platinum. I have repeatedly asked about decreasing my interest rate. They have also charged me interest fees for cash advances that they stated had made cash advances of a total of {$220.00}, one of the advances was for {$13.00}, and the interest fee was {$8.00} on XX/XX/2019, at XXXX  XXXX XXXX XXXX I have never been to any credit union name XXXX  XXXX  when I have my bank accounts. I am tired of them .. I want the charges removed and my interest rate to decrease. I pay them on time. They had the nerve to increase my minimum payment to XXXX. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Recently a collection was placed on my credit report. It originally was from a fine in XX/XX/XXXX. Shortly after I made a judgement error and found myself in court ( XXXX XXXX ). I signed the deal XXXX. The deal included any and all pending items. In XX/XX/XXXX while still XXXX, a warrant was issued from lack of payment. I found out in XX/XX/XXXX and submitted a XXXX form with DA for demand for trial. They did not respond in time limit, so I filed a XXXX form, motion to dismiss. I have now gone to court by they will not open as they no longer had jurisdiction since my conviction, an deal, sincel XXXX XXXX, XXXX. I went to DA office they said they did not place the collections order and the warrant was removed. However there is no record that they were suppose to due of any of the motions, as it is handled by them and not the court. They not only also had no jurisdiction since XX/XX/XXXX, but the XXXX was a formal motion to dismiss all there claims. I have asked them to put a warrant back, so that we can go to court and they said they can not. Thus showing they have no authority and any fines and restitution were covered in my deal of XXXX XXXX, XXXX. It totaled {$700.00} and was paid years back while I was serving my sentence. This also shows if they had legal ability to any claims it would have been placed while I was serving my sentence. They suggested to go back to Public Defender for help. I did and since the file was closed in XX/XX/XXXX, and the courts, including DA no longer had jurisdiction since XX/XX/XXXX that they can not open any court days for me to address with the courts and the DA. I ask first who is the one who filed the collection. Again court and DA office said it was n't them. Second for them to show that they have they legal right to place that in my 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 2021-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  I have a Debt from chase bank saying i owe chase almost 17k or 18 k in payments for a credit card that never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company requires HO insurance and handles this through an escrow account. My HO insurance policy renewal is in XXXX and was placed with new insurance carriers on time. I had to pay out of pocket the down payment on the fire policy and in full for the wrap around policy. All paperwork was sent to the mortgage company by my insurance agent and also by me. Ever since, the mortgage company has XXXX this up and has tried to charge me for their own version of insurance instead of recognizing that I have full coverage already in place and am compliant with their requirements. Besides trying to charge me for unneeded insurance they are also increasing my escrow payment unnecessarily. Both my insurance agent and I have made several attempts to get this resolved but as of the date of this complaint the mortgage company has not resolved the issue. Attempts to resolve this through their customer service number have been unsuccessful and their customer support person was extremely rude and dismissive and no help whatsoever. Attempts to resolve through their insurance department were more positive but always are pushed off to an automated system. So, it is almost impossible to actually get anyone to help and know the problem is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As I am a victim of Identity Theft/Fraud, I understand that as such, I am eligible for free updated reports twice a year. I recently submitted requests to the XXXX agencies, and EXPERIAN, even though in possession of my alert information, has denied me a copy of my report as requested. They are currently in violation of the laws placed to assist with my issue.

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 2015-11-21
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had recently applied for a mortgage loan and was denied. I was troubled by the results because I had recently hired XXXX XXXX to help me in repairing my credit score. After getting denied I asked to view my credit report. So online I viewed it and noticed some disturbing information. Experian has had a lot of errors that has affected my credit for a long time. 
In the personal summary, the XXXX main problems are as follows : The social security number is completely wrong. As well as the names listed. However, I do know the person that is listed on my report. It clearly states that the name on it is XXXX XXXX who indeed is my son and it is also his SSN on my report. 
Which means they are looking at his history and not minds. Also I wondered why was my application for numerous things always being denied and yet it never hit me til now. Because I know my credit should n't be at a poor status even the other credit monitoring companies have a differential in score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have made several attempts to have the remark/comment removed from my credit report disputing the account. The account was first disputed through XXXX for the balance and they did send me supporting documentation proving that I owed the debt. XXXX XXXX XXXX has been receiving payments made through XXXX until I recently started making payments to their website. However, I have made several calls to them in regards and provided letters that I am no longer disputing this account and to removed the remark from all three credit reporting companies as they are currently being paid. This is the response back from Experian " XPN We are unable to remove the dispute comment as requested for XXXX XXXX as the creditor has verified that it should remain on file XXXX/XXXX/15. Phone verification attempted but per XXXX at XXXX no information was given without consumer authorization. We have initiated a dispute to verify information with the creditor once more. The consumer will receive the results within XXXX days. A letter from the creditor authorizing removal of the comment would also be acceptable. " XXXX XXXX XXXX keeps stating it is not them but Experian and I do n't know what else to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Violation of the law, failing or refusing to validate disputed items within XXXX days

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 2016-04-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. 
sincerely 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 non-monetary relief
Consumer complaint received 2016-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Experian XXXX XXXX, XXXX, TX XXXX To Whom It May Concern I sent a letter to XXXX creditors disputing unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/2016 and mailed them certified, return receipt requested. ( attached XXXX Certified mail receipts and return receipts hard copy and original request letter ) 30 days already pasted and creditors not responds my requests. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit Inquires Creditor Inquires Dates XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX Thanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian continues to report a delinquency from XXXX XXXX XXXX although Ihave disputed this, it is more than six years old and Experian continues to penalize my credit score with this item

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 - I applied for a mortgage with Loan Depot - Talked to XXXX XXXX NMLS # XXXX and XXXX XXXX. I requested a loan estimate many times and was finally refused one until I agreed to move forward with Loan Depot alone. I have emails to prove it and will forward them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BSI Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted BSI financial when I noticed that my XX/XX/XXXX was not applied to my account. I then contacted BSI by phone requesting this be investigated. The representative, XXXX XXXX was suppose to escalate my request to be reviewed and promised an update by XX/XX/XXXX. After I heard nothing, I contacted him back by email and the information he provided had nothing to do with the XXXX payment. I sent them bank proof that XXXX payment was paid in the month of XX/XX/XXXX. When I asked to speak to management, specifically XXXX XXXX, the call is being intercepted because he does not want to speak to me. I also have a problem with XXXX XXXX which is the Loss Mitigator. Does not explain anything to the consumer correctly, ignores emails and is simply bad customer service all the way around. 

In my last case, BSI had illegally took fees from me during a bankruptcy and said it was a mistake. As a result of the complaint I noticed the fees were applied and now they are reversing it. No one has given me an explanation. 

I am victim of predatory lending. This organization takes out fees from consumers not providing any documentation once so ever. I have yet to receive information about my mortgage or fees. I look for the day to get away for this collector. I am also going to write to the Attorney General. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SYNCHRONY FINANCIAL
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2015-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputed 'Date of XXXX Delinquency ' regarding XXXX XXXX XXXX XXXX. Experian is reporting date as XX/XX/XXXX when the correct date should be XX/XX/XXXX ( last date current was XX/XX/XXXX ). Confirmed this information with rep at XXXX and despite providing contact information to this rep, Experian has returned the information as verified and just updated the tradeline to be designated as a charge off. 

I asked the rep for the method of verification, which she could not provide, she stated it was updated after my conversation with an agent on XXXX. I had not called prior to yesterday XXXX XXXX XXXX and my original dispute was in writing ( sent on XXXX, delivered on XXXX via XXXX XXXX ). She then changed her story and told me that they sent the letter to XXXX and came back with the same information. 

I explained to her that the same thing happened with another credit bureau and the only way I was able to get them to investigate properly was after filing a complaint with CFPB so I mentioned that I may have to do the same for Experian to ensure the investigation is conducted properly. I wo n't say she threatened me, but she definitely tried to scare me by telling me to do what I had to do but to be careful as sometimes after filing a complaint/re-investigation, things come back updated with a different date, which would delay the date that the tradeline is due to fall off my credit report. Her name was XXXX and she was on XXXX XXXX ' and I spoke to her on XX/XX/XXXX. 

I am attaching a copy of the letter that was sent to them for the dispute. All I want from them is to properly investigate and update my credit report with the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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:
Disputed the inaccurate information the credit bureaus never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, there is a 2014 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my score that I have been disputing for the last 4 months to get this item withdrawn. I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. I called and spoke with a representative and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the item keeps coming back as verified every time. I had XXXX managers tell me that the dispute is sent as a notice to the courthouse through XXXX. Once the court verifies it, the information is mailed back to the credit bureau. To make sure the correct information was relayed, I contacted the court house and they told me that they never report any information via the credit bureaus. I decided to call Experian back to speak with another representative, but this time they advised that the information is verified by the contractor who goes to the court house. I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor verify to the credit bureaus. They could not answer that question and just said its a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.

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 2021-03-03
Company: Coinbase, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have proof according to their website of deposits in total of {$110000.00}, yet only XXXX is showing in my portfolio.

Company response to consumer: Closed with explanation