BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
tRIED TO REFINANCE WITH CASH OUT WITH NAVY FEDERAL CREDIT UNION HAD TO JOIN TO APPPLY ( NO PROBLEM ) WENT THROUGH LOT OF CALLING ECT. FINALLY NAVY FEDERAL WANTED XXXX FOR APPRASIL FEE SO I GAVE THEM MY CREDIT CARD I BELIEVE IT WAS THE NEXT DAY CALLED AND TOLD THEM TO CANCELL I DECIDED I DIDNT WANT TO PAY THAT MUCH FOR A LOAN I WANTED TO GET OUT OF BEBT NOT INTO MORE DEBT AND TOLD THEM TO CANCELL THE XXXX FOR THE APPRASEL FEE. THEY TOOK IT OUT ANYWAY AND THEY SAID THEY WOULD SEND IT IN FOR A REFUND SENT SEVERAL EMAILS BUT NO ONE AT NAVY FEDERAL WILL RETURN MY EMAIL OR EXPLAIN WHEN ILL GET THE REFUND AS IAM PAYING INTEREST DAILY ON THE XXXX AND WOULD LIKE IT REFUNDED ASAP.

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 2023-07-24
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NC
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 INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am emailing you all in regards to a matter that has gone unresolved dating as far back to XXXX. In that year of XXXX there was a incident of a check that I deposited for a relative that had returned after processing. This incident took place at the very same time as the XXXX of my XXXX and my battle with my health which had taken a a downward spiral. My family and I were deep in grief, disbelief and hurt as we sought to lay my XXXX to rest, seek justice for him, and find peace. I deposited the check unknowingly that it was a any issue as I am was just being family to a a family member. You all notified and made me aware of the matter. I was in no headspace to pursue the matter of claim against this relative because of what my family and I were already faced with. So I paid the amount that was made to cash, the penalties and all monies owed in the excess of the returned/insufficient check. I did not bother with dispute or refuting, thinking that I can not handle going through that arbitration, deal with trying to hurry my nephew, as well as my diagnosis of XXXX XXXX I was just in no shape to begin to just have more to deal with outside what I was struggling with at the time. Unbeknownst to me this will cause my account to be restricted and lead to me not being able to have a live active checking account with you all. Aside from that although I have the restriction and closed checking account I still have my savings with this financial institution which is baffling, disheartening, in short overall unjust that even with the savings I can not fully access the complete experience of banking with your financial institution as I had in the past prior to the incident. If that were not enough you all issued a credit card to me in which I am prohibited from using. I received the card and then a letter stating that I can not use the account as aforementioned due to a restriction. This same account and card that I am not able to use however, was used fraudulently by someone else. So now here we are with no resolve in the matter of me not being able to have a checking account, but I have an active savings account as well as having a credit card that I am not allowed to use, but it has been fraudulently used. In no way does this makes any logical sense. So I ask that you handle this matter will great intent, diligence, respect and regard to have me treated fairly as a customer/ banking member. All I ask is for this to be cleared, grant me access to the credit card and to a checking account. 
My access # XXXX and credit account XXXX .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
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: Account status incorrect

Complaint:
I am requesting your assistance to resolve this urgent matter. 

My complaint is about negative information on my credit report that create difficulties for me to receive loans. During my divorced, I have, and still is experiencing financial hardship as a result of three companies restraining my ability to obtain loans from other companies. These fouXXXX companies that are hindering my ability to receive loans are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, andXX/XX/XXXXXXXX/XXXX XXXX. All four companies were paid in full and loans satisfied. 

For instant, XXXX XXXX ( XXXX XXXX XXXX XXXX ) received last final payment of {$6600.00} for an automobile loan on XX/XX/XXXX. There was a four years commitment to pay off this automobile loan for {$26000.00}. I paid it off within that frame of time, four years. In spite of my difficulties, I managed to keep my commitment payment agreement. I believe negative information should be removed due to circumstances mentioned. 

Furthermore, XXXX XXXX account sprung up from nowhere. I never applied for aXX/XX/XXXXcredit card from this company. There was a credit union who sold the company to XXXX XXXX. I wrote the credit bureau about my account being switched and I did not receive any options from the credit bureau to clear the matter. On XX/XX/XXXX, XXXX XXXX account opened and it has been updated as of XX/XX/XXXX. These last payment made on account was XX/XX/XXXX. XXXX XXXX account is current and pay as agreed. I was surprised to see an adverse remarks on XXXX XXXX account. These negative remarks must be remove because I gave this company my full efforts to pay on time and I did not abuse my credit limit amount. 

Additionally, XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX for {$4100.00}. I did not escape my responsibilities for not making payments, because it was my obligations to do so. I am requesting the late payment be remove because of my efforts to steadfast of my obligations and to not make matters worse. 

Finally, XXXX/XXXX XXXX, this account is current and paid in full. In advertently, due to some error, I have a 30 day delinquent on my account that must be removed, because this also hinder my ability acquire loans.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: MI
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. The list of accounts below has violated my federally consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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 2023-06-22
Company: Brock & Scott, PLLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : Before my loan modification in XX/XX/XXXX, I had two separate loans from the same lender ( XXXX XXXX ), one for {$170000.00} and the other for {$47000.00} approximately. These two loans were combined into a new single loan with a low interest rate of 2.0299 % and a total amount of {$240000.00}. As part of the modification, the {$47000.00} loan was waived in exchange for a shared appreciation of 25 %, not to exceed {$47000.00}. 
This means that I am now only responsible for paying back the remaining amount of {$190000.00} at the low interest rate of 2.0299 %. The time of maturity for the loan remained the same at 271 months. 
In summary, my two loans were combined into one new loan with a lower interest rate, and a portion of the loan was waived in exchange for shared appreciation. I now have a single loan to repay at a lower interest rate and the same time of maturity as before the modification. 


Also, as part of my loan modification in XX/XX/XXXX, the lender ( XXXX XXXX ) waived the {$47000.00} loan in exchange for a shared appreciation of 25 %. This means that if I sell my house, the lender will be entitled to receive 25 % of the appreciated value of the property, up to a maximum of {$47000.00}. 
For example, if the value of my house increased by {$100000.00} since the loan modification, the lender would be entitled to receive 25 % of {$100000.00}, which is {$25000.00}. However, if the value of the property increased by more than {$180000.00}, the lender would still only be entitled to a maximum of {$47000.00}. 
It is important to note that this shared appreciation agreement only applies if the property is sold. If I continued to own the property and make payments on the modified loan until it is paid off, the shared appreciation agreement will not be triggered. 
Additionally, my modified loan takes precedence over any other loans, meaning that it is the primary loan on the property and must be paid off before any other loans can be satisfied. Which in fact it was sold through foreclosure on XX/XX/XXXX. Therefore, all excess funds are due to me immediately, because I am the original owner of the loan. 

Respectfully yours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
when applying this Bank of America credit card, their manager offered and confirmed we will get {$200.00} bonus after spending {$1000.00} in the first 90 days. We did like that, but not received any bonus, then we contacted BOA online agent, he said it only applies to unsecured credit cards. From my understanding, this is cheating and fraud, I can't find anywhere says it should be unsecured credit cards. 

From BOA statement below, which is the only condition to get the bonus : {$200.00} online cash rewards bonus after making at least {$1000.00} in purchases in the first 90 days of account opening

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 2023-09-24
Company: TapTap Send Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
The company closed my account without any notice. I had to call them to inquire about it. Initially they gave me a run around but eventually they claimed that they had suspended my account due to a security concern. When I inquired what the concern was they told me to read the terms and I would find it there. They didnt point me to anything specific. They also closed my husbands account the same way. The only transfer we had attempted to make was to my father-in-law, and that transaction clearly didnt have any security concern because even the names match! The ridiculous part is that no one is able to explain what happened so they just point out to their security concerns, which is very vague. 
The fine print is ambiguous and can be interpreted in many ways. They need to amend so that it can have specific details to it that can be easily sited. 
I was able to find many similar complains online about this company, which means that its their common business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX Select Portfolio Servicing received a check from me for approximately {$95.00} to move my payment date from the XXXX of the month to the XXXX of the month. I get paid in the XXXX and the XXXX of every month. If the XXXX falls on a Saturday I do not get paid until the following Monday. I was told the transaction would take thirteen business days to complete. 
The next few months I would call in to make my payment on their automated service. If I made the payment on the second or third of the month the automated service would say the payment was past due. 
I called in to ask why the automated service was saying the payment was past due when the payment date was moved to the XXXX of the month. I was informed then the payment date was not moved to the XXXX. But the payment was not really past due until the XXXX. And that they would contact the appropriate department to get the payment date changed to the XXXX. 
Again I thought the problem was CORRECTED. FOR THE LAST THREE MONTHS when I call in to make my payment I have spent an hour on the telephone asking why the payment date was not moved. While making my XXXX payment I was told I would have to send in another interest payment to get the payment date moved. I BLEW UP AND REQUESTED HER SUPERVISOR! He assured me the problem would be cured! 
I just made the XXXX payment AND NOT TO MY SUPRISE THE PAYMENT DATE WAS STILL THE XXXX OF THE MONTH! 
I again spent an hour on the phone getting to another supervisor just to have him XXXX XXXX XXXX XXXX  XXXX telling me the same lies I had been told tge last 4 months! 
I told him we were 59 days from THE FIRST year anniversary of the day THEY RECEIVED MY CHECK TO TAKE 13 BUSINESS DAYS TO MOVE MY PAYMENT DATE! 
SPS has hurt MINE AND HOW MANY OTHERS credit rating BY THEIR FRAUDULENT ACTIONS! 
I want my payment date changed and I WANT SPS TO CONTACT ALL CREDIT RATING COMPANIES AND MAKE SURE I DO NOT SHOW A LATE PAYMENT TO SPS SINCE XXXX TO XXXX. 
I ALSO AM REQUESTING AND AND ALL LATE FEES BE REIMBURSED TO ME BY CHECK IN A TIMELY MANNER! 
I AM ALSO REQUESTING SPS BE AUDITED TO SEE HOW DEEP THIS SCAM THEY HAVE BEEN PULLING ON ME REALLY GOES! 
I WANT SPS TO RESPOND TO ME IN WRITING FROM TODAY FORWARD. BECAUSE THEIR TELEPHONE SERVICE AND EMPLOYEES LIE THRU THEIR TEETH! 
SPS DOES NOT DISPUTE THEY RECIEVED MY CHECK ON XXXX TO CHANGE THE DATE. THEY JUST WONT CHANGE IT!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2023 XXXX charged my card {$42.00} for an order I placed, however the order was incorrect. It was someone else 's order brought to me by mistake. I contacted Capital One, and was credited the amount of the order immediately. Fast forward to yesterday XX/XX/2023 and Capital One removed the credit and sided with the merchant with merely the merchants word that " items were received as stated and in good condition '' with XXXX supporting evidence. I was asked to respond to maintain my credit of {$42.00} which I promptly did so hours later. I responded with a detailed step by step explanation, photographic proof of the incorrect order that the merchant provided, and explained my endless attempts to work it out with the merchant before contacting Capital One, also providing proof of those attempts as well. Despite all this, hours later Capital One denies all of my evidence and sides with the merchant, deciding their one sentence with XXXX backing beats my photographic evidence and detailed explanation. Clearly Capital One is motivated by greed, not protecting their customers. I've never initiated any charge backs before with Capital One, I've been a trouble free customer until my money was effectively stolen from my account in this incident. While the dollar amount may be small at only {$42.00}, I work hard for my money and refuse to be stolen from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AUGUSTA COLLECTION AGENCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ga XXXX has been sending me collection notices in the amount of {$410.00}.. THE COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NJ
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:
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-18
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase claims I was added as a joint account holder to my brothers credit card I called on XX/XX/2022 and explained I never signed up as such. I asked for the document showing I did. They told me 7 to 10 business days and I would receive it. Called back on XX/XX/XXXX and told them I never received proof that I had signed up and asked what was going on. Was told that they couldn't find the document and that I would have to of signed up and there was nothing that could be done. My brother owes XXXX dollars that now showes up on my credit report and is affecting my debt to income to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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