BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal is reporting a closed credit card account on my credit profile that I was an Authorized User. The account is negatively impacted my credit, which is unfair because I was not responsible for this debt as an authorized user.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a {$1000.00} limit on a synchrony XXXX for about a year. I was surprised they approved me due to credit score issues. However, I used the card during the pandemic to stay afloat and made sure to make EVERY payment on time and often made more than the minimum. I was able to pay it off completely and was so proud of myself. About a month after I paid it off, I received a letter stating they were closing my account. I was a good client. There has been no change in my credit history or housing situation. The letter is non specific and when I called to inquire, the rep couldnt help me. If this is how synchrony bank treats its good paying clients, I want no part of their bank. I think its horrible that the punishment I received for paying it off is a closed account which will further damage my credit history. I wish I never dealt with them at all.

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 2020-03-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper website is not working and I am trying to reach someone in Mr. Cooper to renegotiate my loan. there is no way to contact anyone on their website or on Phone. I waited two hours today to get someone to speak to, to renegotiate the loan under new law due to the epidemic of Corona Virus but to no avail. Please see the screenshots. 

Mr Cooper 's website is down and no one is picking up the phone at their customer service, so someone needs to contact me as soon as possible to renegotiate my loan terms because looking at the current situation I will not be able to pay my monthly Mortgage as it is too high looking at the epidemic and economic downturn. 

Here is the synopsis of the new law - The legislation will provide 60 days of forbearance, or a delay in foreclosure, for borrowers with federally backed mortgage loans, starting that period on XX/XX/XXXX. It will allow six months of forbearance for those experiencing economic hardship because of the outbreak. 

For those who've taken out federally backed mortgage loans for multifamily properties, the forbearance period will be 90 days. Borrowers receiving forbearance will not be able to evict or charge late fees during that period to tenants who fail to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have tried to reach out to capital one several times. When I first learned there was claims and charges being filed on my account I immediately called Capital one. Except then they decided to close my accounts. My identity was stolen as was my debit card. I am not a risk to the bank and would like this re reviewed as I had no idea at the time of these claims. I only learned after the fact. Now I cant have a checking account at capital one even though it isnt my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This is based off my prior complaint with Bank of America that is closed. I am aware that they are to respond in writing, and they never did. They left me a voicemail asking me to call them back. This is not acceptable and I believe they know that. I believe they are breaking laws here.

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 2021-02-26
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The, below, letter explain the situation. 

Good morning : My name is -- - and I am writing this letter to request the XXXX late designation for XX/XX/XXXX be removed from my credit report. Of course, I am prepared to supply justification for my request. First, let me say that the XXXX XXXX late is the only lateness I have with Fay Servicing because I have made every effort to meet my mortgage obligations. 

Now for the justification. In XX/XX/XXXX I took a position on XXXX XXXX, NY. In XX/XX/XXXX I signed a Land Contract Agreement with tenant to rent my home from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX they were to pay a certain balloon amount to purchase my home. ( See Exh. # 1, Land Contract ). 

Unfortunately, these tenants, both lawyers, have turned out to have nothing resembling integrity. Almost from the beginning I have had to hire legal counsel to compel the tenants to pay. ( See Exh. # 2, Judgment of Possession dated XX/XX/XXXX for {$12000.00} XXXX. The amount owed to me at that time included, among other months, XX/XX/XXXX. Also, as you can see from the judgment, the Tenants then had 90 days to pay the amounts owed. So, for quite a bit of time I was paying two mortgages as my rent on XXXX XXXX is approximately {$3000.00} per month. 

The Court granted our motion to escrow rent payments because I doubted they would pay otherwise. If that was the extent of it all I would have been happy, however, after paying the defaulted amount, the tenants immediately went into default again and have made zero payments for XXXX. ( See Exh. # 3, Answer in current lawsuit. Please take note of highlighted sections on pgs. 1 and 2 ). In addition, the tenants have paid nothing for XXXX and will pay nothing for XXXX if their custom continues. The closure of the courts because of XXXX has only exacerbated the problem, however, I have continued to meet ALL my financial obligations. 

Lastly, it is our desire to apply for a mortgage after the sale of our home in a few months. I have spoken with XXXX XXXX about my credit report and, of course, because the Fay Servicing delinquency is so recent it is preventing me from obtaining a desirable loan. Except for the tenants recalcitrant refusal to pay rent I would not have missed any payments with Fay Servicing. 

For all the above reasons please see fit to remove the XX/XX/XXXX XXXX delinquency from my credit reports. The last four numbers of my SS # are -- -. 

Thank you for your consideration. 


Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. Balance as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of XX/XX/2023.

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 2020-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX I spoke to XXXX in the Mortgage Customer Services ( she refused to give her last name and i.d . ) and learned that the payments were not processed from my joint checking account, upon checking the account I learned due to processing fee for NSF the account was short. I gave my second bank account number along with the routing number after making the missed payment to XXXX. After, giving her my XXXX XXXX 's account number I changed my payment of HELOC to take out auto pay from XXXX XXXX Bank 's account. I explained this situation to the representative and told her that I changed my payment information on XX/XX/XXXX to move forward with processing from XXXX XXXX account and the representative said they don't have any information then I told her that check the recorded records of the conversation she then transferred me to another department and when I asked their names they refused to give me. I then informed the supervisor that I gave them my XXXX XXXX Banks information he said the recording does not have that information and I am wondering when the user calls the Bank it says your voice and conversation is being recorded and how come they don't have that information. 

In the month of XX/XX/XXXX I came across a missed payment letter along with penalties interest and fines and this resulted in the credit rating and again on XX/XX/XXXX I processed my HELOC payment with fines. 

The Bank of the West ignored and overlooked with their negligence the payment information and kept charging me multiple fines on my personal joint checking account and again on my HELOC 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 monetary relief
Consumer complaint received 2023-02-28
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I help my son buy a car, it was repossessed because he did not pay, now they are asking me to pay what he did not pay. I already called n tell them I can pay {$10.00}. Per month. Im XXXX n I dont work. It was already more than 7 years ago!

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 2023-03-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing the CFPB again regarding Shell Point Mortgage and their constant practice of falsely claiming that there is insufficient Flood insurance on my property and then placing their Lenders placed insurance on my account. When Shellpoint is contacted about these practices, Shellpoint continues to claim this is an error, but this is a pattern spanning several years. This is fraud! and the CFPB needs to put a stop to this. 
i have been vigilant in monitoring these practices by Shellpoint and its not an error its deliberate, its harrassment and its descrimination! and an attempt to defraud! customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Paypal refueses, always, to help when there is suspect fraudulent charges. No discussion, just denied. 

This happened to me about a year ago, all starting with paypal sending someone an unauthorized debit/credit card, and at that time they accused me of being the one to do the fraudulent charges. From that my identity was stolen, I have multiple police reports about the activity, suspects on video making the charges at a grocery store, XXXX XXXX etc. They clearly don't take this seriously. After months of fighting and filing complaints against them, including the police reports the gave the money back So once again, I go to their resolution center and file a complaint against a charge and within an hour " denied '' no discussion. They need to be held accountable for protecting their customers. Their service is insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Closed and paid account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent {$300.00} in payment to someone who did work at our house. We had just moved out of state and he asked me to send it via XXXX. The phone number was entered wrong by ( 1 ) digit. When I contacted XXXX- they told me to contact my bank- Well Fargo. I filed a complaint that the money was sent to the wrong person and I had no way to cancel the payment. They said they would investigate it. Today, on XX/XX/XXXX, I received a letter from Wells Fargo saying they had completed the investigation and said " the transaction was completed as requested ''. This is not true. This was sent to the wrong person and now I still owe the other {$300.00}! 

There is a history of this with XXXX and other banks if you research this. At least XXXX has a more secure way to send money. I am XXXX, retired on Social Security. Please help me get my {$300.00} back.

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 2023-01-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Accounts listed aren't 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 2019-10-17
Company: Experian Information Solutions Inc.
State: LA
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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-01-19
Company: CITIBANK, N.A.
State: CA
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 is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX/XXXX along with a notarized affidavit claiming fraud. XXXX/XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX/XXXX   to close their files which have any information with my name & social on it ...

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 2023-01-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD bank was notified I have been a victim of fraud and after placing XXXX in fraudulent transactions my account was closed as a discrimination to my skin XXXX. I enclosed a FTC report to this document and I expect TD bank to issue my refund from fraudulent transactions.

Company response to consumer: Closed with explanation