BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage through Navy Federal, I was told this was exceptional bank known for their professional and overalls service experience. I was given a pre approval letter and began shopping for a home. Once I found my home, I presented a contract and was given a interest rate of 2.125 % for a 15 year mortgage. I signed and agreed to the disclosure on XXXX. I went through the underwriting process and was given a closing date of XXXX. I finalized all paperwork and signed documents promptly at underwriting request. On XXXX I received a call from the XXXX in underwriting letting me know that my interest rate had gone up .5 % because the rate was never locked and was on a float without my knowledge or consent. I expressed that the was incorrect and was told to contact the mortgage consultant. I forwarded her my documents and had an 45 mins conversation with XXXX XXXX XXXX XXXX # XXXX the origination officer. I asked repeated when and why he fail to asked me to lock my rates prior to closing. Outside of apologizing profusely he no answer for me. Although it was not intentional and this human error, this mistake on XXXX XXXX. XXXX cost me an excess amount of {$13000.00} ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-14
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I called Navy Federal to report an unauthorized debit from XXXX XXXX. I am a Provider and receive payments from them several times per week. XXXX debited {$2600.00}. Before I called NF I spoke to several departments and supervisors at XXXX. They had no record that I owed any money and they did not see the debited funds under my Provider number, TIN, or bank account number. When I called NF I reported this to the rep including names, departments, and responses. She typed it up and sent it and said that it could take up to 10 days to process. I never heard from NF. I called again on 2/1 to ask what was the holdup. Another rep took my information down and sent a message to the back office and told me they would follow up within 24 hours. On XX/XX/XXXX I reported that another debit had been taken from my account. The rep stated an investigator would be assigned and it could take 10 days to follow up. I called again this morning and spoke to a supervisor in the fraud department who read a letter sent to me stating that they had reached out to XXXX and I should call the 1800 number. I explained again that I had spent over 4 hours talking to several people who could not tell me why the money was taken and they could not see the money had been taken. I also found a doc from XXXX that explains that funds are never debited from provider bank accounts and explains how overpayments are resolved. XXXX will leverage any overpayments against future payments. They never debit your account. I have been a provider with them for 5 years. Further, to date, I have not gotten a letter, request or any other correspondence from XXXX relating to the debit. As I stated there is NO record that the funds were taken from my account. I had to ask NF to put a stop payment in place to prevent future debits. That should have been done initially but NF never took the complaint seriously. I had to request they do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called AMEX prior to making a larger purchase to confirm my spending power and the over time pay limit on my card. 
I was informed that later was {$31000.00} I subsequently made a purchase of c. {$44000.00} My bill now requests back the full amount without applying the overpay limit of {$31000.00} I am being told that next time I should split the transaction into 2, as when the amount is over the {$31000.00} the over time pay limit would not apply This was deliberately omitted from the explanation when I called the first time round I would have used a different card/other means to pay if I had know that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter.

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score. 

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records. 

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
ou are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in XX/XX/2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

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 2023-07-07
Company: DISCOVER BANK
State: AZ
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:
I trust this message finds you well. I am writing to address an issue related to my charged-off Discover credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified.

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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 have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX county in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXXXXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$250.00} XXXX XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit reports are reporting the incorrect employer. I received an alert on XXXX/17 that I work for " XXXX XXXX '' and that is not accurate. My employer has already been reported and the correct name is 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 2023-09-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE TRIED TO FIX THIS PROBLEM ON NUMEROUS OCCASSIONS WITH THIS COMPANY. THEY CLAIM TO HAVE PURCHASED MY DEBT FROM XXXX BUT HAVE YET TO PROVIDE VALIDATION OF DEBT. ANYBODY CAN FILE A JUDGEMENT AGAINST AN INDIVIDUAL. THEY HAVE SENT THIS DEBT TO SEVERAL DIFFERENT ATTORNEYS AND HAVE SENT NUMEROUS STATEMENTS WITH DIFFERENT AMOUNT OWED. THEY HAD TWO ATTORNEY OFFICES GANGING UP ON ME AND SENDING FALSE STATEMENTS WITH DIFFERENT AMOUNTS. IN 2015 XXXX XXXX ATTEMPTED TO GARNISH MY BANK ACCOUNT I REACHED OUT TO AN ATTORNEY AND AGREED TO NEGOTIATE THE DEBT EVEN THOUGH THEY DID NOT PROVIDE PROOF THEY OWNED THE DEBT AND AGREED TO A SETTLEMENT {$100.00} A MONTH FOR 10 YEARS TOTALLING {$10000.00}. I PAID THAT FIRM FOR ALMOST 3 YEARS AND NOW THEY ARE OUT OF BUSINESS. WHEN I ATTEMPTED TO CONTACT THEM THEY ARE NO LONGER IN BUSINESS. THEN I CONTACTED RESURGENT AND NOW THEY ARE SAYING THEY SENT TO ANOTHER COMPANY BUT HAS NOT SENT A LETTER NOTIFYING ME OF THAT NOR HAVE THEY SENT AN ITEMIZED STATMENT OF WHAT IS OWED. NOW I AM ATTACHING A COPY OF SEVERAL LETTERS FROM THEM STATING I OWE OVER {$40000.00} PER THE ATTACHMENT INDICATE THAT THIS DEBT WAS NEGOTIATED TO {$10000.00}. YOU AND YOUR AFFILIATED COMPANIES ARE VIOLATING THE FDCPA LAWS AND FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
One XX/XX/XXXX, Capital One made a decision to close all my accounts. One of the accounts was a savings account I am a co-holder with XXXX XXXX, my daughter as a minor. One XX/XX/XXXX, I called Capital One because I have not received the closed out amount of {$100.00}. I was told that day that a cashier check has been mailed to me and it would take 10 business days. I was told if I don't receive the check by XX/XX/XXXX, I can call again. I did not receive the check so I called on XX/XX/XXXX. I was transferred to at least three times and after 30 minutes, they can't seem to be able to explain what happened my XXXX 's balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Over the past 4 years I have had to work nonstop to deal with the crippling fallout from being the victim of identity theft. Up until recently my credit report was free of information that was the result of ID Theft. Unfortunately in the last week of XXXX a new account appeared on my XXXX credit report that was the result of ID Theft. A 605b block request was quickly sent to XXXX to have the information blocked from my credit report. A few days after the account appeared on my credit report, American Express began to treat me as a higher credit risk. On my Kabbage by American Express funding account they reduced my line of credit from {$49000.00} to {$30000.00} and increased the fee I would have to pay on future drawls from .25 % to 3.5 %. I also delayed a credit line increase request on my personal American Express card until after the ID Theft issue was cleared up. Around XX/XX/XXXX the account was successfully blocked and my credit report and score were no longer being impacted by the fraudulent account. I then waited a few more days to allow the updated information on my report to be sent to creditors who recently requested my credit report, including AMERICAN EXPRESS, AMERICAN EXPRESS XXXX, and AMERICAN EXPRESS XXXX. After a few days I requested a Credit limit increase on my personal Amex card but was denied because they used a credit report from XX/XX/XXXX, which included the ID theft information. I also attempt to ask XXXX to reassess my credit report and restore my line of credit and fee rate back to what they were before the ID Theft issue, but unfortunately they refused. I then spent 3 hours on the phone and was transfer 16 times each time being told the next person could help me but that simply was not true. To this day Amex is still using the XX/XX/XXXX copy of my credit report and has basically told me that I just have to deal with being held responsible for the ID theft actions until Amex decided it was going to pull a new credit report for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Three credit reporting agencies- Experian, XXXX and XXXX are incorrectly showing my XXXX XXXX XXXX loans as open. I applied for public service loan forgiveness and on XXXX all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account XXXX That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX  account # XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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.

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 2021-08-25
Company: SOUTHSTATE CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Amount : negative XXXX dollars and XXXX cents {$19.00} I HAVE NEVER USED THIS MERCHANT CARD WAS NOT AUTHORIZED FOR XXXX CARD WAS NOT PHYSICALLY PRESENT SOUTHSTATE BANK NOTIFIED OF FRAUD WITHIN MINUTES OF UNAUTHORIZED CHARGE ON XXXX XX/XX/XXXX IN RESPONSE TO TEXT MESSAGE TO ME FROM SOUTHSTATE BANK.

SOUTHSTATE BANK ISSUED PROVISIONAL CREDIT : XX/XX/XXXX Provisional Credit XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX RETURN XX/XX/XXXX XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} ; IN THANKING YOU FOR YOUR ATTENTION AND ASSISTANCE, I AM XXXX XXXX

Company response to consumer: Closed with explanation