BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a long time Bank of America customer ( 30+ years ) and signed up for a Bank of America Travel Rewards card knowing that as I accrued points in their reward program I could one day redeem them for statement credits against future travel expenditures. 
Well, the day came in which I traveled to a Hotel and used the card. In fact, the charge on my billing statement specifically labels the charge as " XXXX XXXX '' and also highlights the foreign city in which the hotel is located. 
Upon receiving my billing statement I went redeem my accrued points against this Hotel charge and was perplexed when I did not see that the Hotel was available for travel credit. I called Bank of America 3 specific times to try to talk with someone. The representatives agreed that it was silly that a Hotel charge was not available for travel credit. On the 2nd call to Bank of America I was told that the charges are NOT classified as a Hotel thus they would not be available for travel credit redemption. I told them, of course it is a hotel ( HOTEL is in the name of the charge ) and they are happy to look it up online ... Bank of America said that they would escalated it. After Bank of America not getting back to me in their promised timeframe ( with only days left to pay my bill ) I called for the 3rd time and was told that in their system the HOTEL charge did not show up as a hotel ( not my fault ) and that they would not honor my ability to use my accrued points against travel charges. No one could explain to me why this was the case and no one at Bank of America would take ownership to correct this situation. Frankly, at this point, I would label the Bank of America Travel Rewards card as a " bait and switch '' scheme to attract customers to become long time users ( as it takes time to accrue points ) and then, when you go to use them for actual travel, they deny the use of credits. I have been a longtime customer at the bank, we 10+ accounts and now will most likely unwind my 30 year relationship because Bank of America refuses to do the right and honorable thing. This is NOT the type of financial institution that can be trusted anymore.

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 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX continues to report to my consumer credit report, yet has failed to produce a valid security agreement with my personal private source data information on it. The address on the XXXX XXXX account has never belong to me, and I continue to contest that XXXX XXXX XXXX XXXX does not have written permission or consent to share my information with a third party, in which they have been sharing invalid information and has been damaging to the consumer credit extension and worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2018, XXXX made an inquiry into my TRANSUNION file without my authorization or knowledge. XXXX has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.

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 2023-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus 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 XXXX XXXX and 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 2021-06-17
Company: EQUIFAX, INC.
State: NC
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 am writing because I recently came out of bankruptcy and there are still companies reporting on my report that should have been taken off and they are still harassing me. I sent the bureaus letters over 2 months ago and still have not received any information from them or an update on whats going on. I want these accounts removed because its been over 2 months and I never authorized any furnishers to report on my accounts. I will definitely be seeking litigation if this can not be corrected because this is straight violation and negligence on the bureaus part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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:
Equifax is currently reporting an account on my credit that they advised me isnt on my credit. Equifax has not been reporting accurately. Please ensure that this account is deleted from my credit considering equifax has sent letter indicating this account isnt reporting. Ive included a copy of my credit report received from equifax that shows that please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Mountain Run Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX  credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.

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 2020-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX/XXXX/2020 I had made a paid for a subscription on XXXX.XXXX. the subscription was six months and cost a total of {$180.00}. This company has to send me a one package a month, but within the first month there was a one month delay. Sp I had to wait an extra month to get my package. When the package arrived, it came with low quality products and one of the items was missing. On the next month 's package it was the same thing. All of the items were here, but they looked very bad in quality. After that, I had decided to request for a refund, but they don't have a proper customer service. So I had to file a dispute through my bank account, but due to lack of communication, the case was closed and I had lost my money. Furthermore, the company XXXX had stop sending me the rest of the products that they owe me. They only send me two packages as of XXXX and haven't send me updates on anything. When I log into my XXXX  account, I can't even see my order history or any of my previous subscriptions that I got from 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 2023-03-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I've been paying Sallie Mae/Navient for private student loans since XXXX. I am the co-signor to my sons loans and have authorization on the accounts w/Navient. We have constantly struggled to make the payments with some having as much as 17 % interest rate, constantly having to go into a rate reduction program that only added the debt to the back of the loan, with penalties and interest. We ask for consolidation or permanent rate reduction, IDR and we were told we did not qualify for any assistance. Navient has never tried to help us be successful in managing our loans. Each year of paying {$12000.00}. or more in payments my total balance continued to increase year after year. The burden to make the payments has become impossible for us and I notified Navient out of desperation I was going to request a hardship and withdraw my 401K retirement in order to pay off my son 's student loans. At that time XXXX of XX/XX/XXXX I owed approx. XXXX. I have requested and received my retirement funds, ( XX/XX/XXXX ) I immediately contacted Navient and my balance now 2-months later is approx. {$100000.00}, due to past due and late fees over {$300000.00}. I explained I had gotten all the money I had and ask them to accept the {$100000.00}. They said they could approve a settlement amount of {$100000.00}, which I was very thankful for until they told me my son and I would have to complete a credit disclosure and that it would be reported on both our credit reports that we settled for less than the amount due and that it could affect our credit for the next 7-years. I told them I felt a settlement was an agreed amount amongst all parties and should show paid in full and nothing else. I've paid them so much more over the years and now when I'm trying to pay them with all the money I have for retirement these people still want to punish and hurt our credit. Defaults are at an all time high, banks are going broke everyday our country is in the worst shape it has been in 50 years and this is a good example of why it is. I'm offering to pay more than what they offered to settle, and they still want to hurt our credit. I would have been just as well to have filed bankruptcy if this is the case. I know they have authority to settle without doing damage. This is just another example of how Navient treats their customers and how difficult they want to make it for you to get out of debt. This is just wrong and people with private student loans don't have anyone in their corner to help. If I can tell consumers anything about student loans I would tell them to never take out private loans and never borrow from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Account information incorrect

Complaint:
Corrected wrong account with Experian Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held hostage with a credit score of XXXX 2 Learn more Experian Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held hostage because updating not real time impacting our ability to borrow and causing usurious rates.

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 2021-03-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax ( and only Equifax - not the other credit reporting agencies ) reported four delinquencies totally {$310.00} from the University of XXXX XXXX  XXXX XXXX in XX/XX/2020. The delinquencies were reported by XXXX XXXX XXXX. I called the XXXX XXXX XXXX and XXXX and both were unable to locate any of my information ( SSN, address, etc. ) ; therefore, I submitted a dispute to Equifax, including a personal statement, drivers license and all my personal information. 

I do not live in New Mexico, I have never been to New Mexico, nor have I utilized services online from New Mexico. The accounts are not mine ; however, Equifax and XXXX claimed to verify my information. Equifax told me that a New Mexico address was on my Equifax file ; however, I have never lived in this state. Equifax was totally unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
These accounts have incorrect information with late payments, please verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Years of being mentally and financially abuse through ongoing impediments to pay my mortgage ; retaliation for speaking out against servicers ' action and for seeking assistance

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 2022-12-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct number XXXX XXXXXXXX I did not provide permission for this to be reporting to my credit report. 


Please remove right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 XX/XX/2022, I mailed a personal check for {$490.00} to Capital One, in the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to Capital Ones post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, Capital One informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with my bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I provided this information to Capital One and asked verbally, and in writing on XX/XX/XXXX and again on XX/XX/XXXX, that Capital One conduct a thorough investigation concerning my misapplied/misappropriated payment. Instead, on XX/XX/XXXX I received a letter from Capital One ( dated XX/XX/XXXX ), informing me that my negotiated payment, payable to Capital One, was not endorsed or cashed by Capital One and that any temporary credits related to this dispute will be removed and that I need figure what happened to my payment. I received no explanation about how my payment, payable to Capital One and delivered to a presumably secure post office box was intercepted and by whom, nor why my specific credit card number appears beneath the name of the account holder where my misappropriated funds were deposited. I attempted several times to contact Capital One to discuss how to resolve this but have been unable to reach anyone in Capital Ones Payment Investigation Department. I completed an Affidavit of Forged or Missing Payees Endorsement for my bank and have asked my bank to investigate but am told that could take up to 90 days. Meanwhile, Capital One is re-billing me for the funds I already paid due to its own negligence in mishandling my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am intrested in disputing my credit profile with tranusnion. ive noticed alot of unauthorized information that is hindering 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 2022-12-08
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I first bought my home Green Tree was the mortgage company but my mortgage has been sold several times and now it is with Shellpoint and I'm trying to get an equity loan and can't because Green Tree is on my title as the lien holder and they are no longer in business and I need that removed from my title so I can transfer it over to a real estate title and can't because Green tree is no longer in business and can't anyone get ahold of someone from Green Tree to get it removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have contacted Experian multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. Experian letter response " Experian may have obtained through a third party vendor XXXX XXXX XXXX XXXX ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.

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