BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few months ago, I was advised that the web site for managing my Suntrust mortgage account ( https : //suntrustmortgage.customercarenet.com ) was being retired in favor of suntrust.com effective XX/XX/2019. 

The " old '' site displays this message : Please enroll in Online Banking at suntrust.com to continue to manage your mortgage online. 
You will need to create a new userID and password using your mortgage account number ( if you do not have it handy, you may log in below and locate it before leaving this site ).

When I try to log onto the new site, I get error messages indicating that my records can not be matched. I am advised to contact Suntrust by phone, but have never been able to reach a human being to help me with my issues.

I am now afraid that ( 1 ) my loan servicing will be continued electronically despite the change in parameters, and that ( 2 ) I will stop receiving important information, notifications about my account, and the ability to manage my account without a lot of effort in dealing with Suntrust 's failure to manage my records and transfer them correctly to their new system. If they can not do something as simple as linking my account information so that I can open an online account as they have instructed, I have no basis for believing that they are recording or applying my payments correctly, either.

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 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
After two separate phone calls on XXXX and XX/XX/13 with my bank Capitol One requesting proof of a bill pay payment/check put in the mail, the bank is obviously dodging sending me this information. I was told they did not know why I have not recieved the information I requested during my first call when I was told i would receive in 48 hours. On the second call the bank supervisor could not tell me anything about my previous case other than it was on hold. All she did was open another case but refused to let me speak to the top level manager stating she was not accepting calls. I was told my check proof must be mailed and would now take be 7 to 10 business days. I have a utility bill that never recieved the payment check, past due now with late fees, of which the bank claims they sent, however seem unwilling to send me any proof and refusing me to speak with a top level manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Arnold Scott Harris, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has us on a robo call rotation where we receive multiple calls from them every day. Late last year, I called their number and spoke to a representative and determined that the debt they are trying to collect is not ours. After that, the calls kept coming anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CORELOGIC 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:
Credco Placed an unauthorized hard inquiry my credit file. Requested company to remove from all three credit bureaus.

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 2021-08-12
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I ordered a new card because my old one was compromised. I received a new card today after a week of waiting. Now I am unable to activate the card. Chime said they had issues another card after this one was made so I am unable to use this card for anything and now have to wait another 7 days for another card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: VA
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:
My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX XXXX {$1400.00} 4 ) XXXX XXXX {$7400.00} 5 ) XXXX XXXX  {$1500.00} 6 ) XXXX XXXX  {$1400.00} 7 ) XXXX  XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 20 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have order a software through paypal merchant with XXXX XXXX at XXXX and And paypal payment went though as family and friends payment and it was supposed to be for service and goods and I have not received the software that I have ordered I have call paypal to let Them know and try to file a claim and get my money back paypal attitude has been nasty and disrespectful I have been told off saying that they mistake was my fault I have been put on hold for hours and hours I have even been hung up on I have even try to email XXXX To tell hIm what happen and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted both XXXX  and Transunion regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXX and XX/XX/XXXX.

I was not late on those months.

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 2023-08-04
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2018-04-13
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:
I sent a dispute requesting information on the debt to XXXX and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: LDF Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a personal loan with Loan At Last, an online lender. I borrowed {$300.00}, but as usual planned to pay back before the maturity date. 
I ended up losing my job due to COVID and lack of business. I have already paid $ XXXX and I still apparently owe them {$530.00}. 
I attempted to email to see if I could just pay the original loan amount, or to see what could be worked out. 
Unfortunately I was told there was nothing that could be done. I had no idea, and have never before seen a 500 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
State: MA
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:
On XX/XX/2020, SYNCB/LOWE 'S LAR add a hard inquiriy on my credit report per XX/XX/XXXX. The report did not include contact information about the creditor.

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 2023-03-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXXXXXX placed a debt from Navy Federal for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to XXXX XXXX And Navy Federal to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX XXXX XXXX  has a new owner XXXX XXXX XXXX, they have placed the debt back on my credit so I sent out a account verification letter to XXXX XXXX XXXX on XX/XX/XXXX giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with XXXX, Equifax, and XXXX consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' XXXX services provided on XX/XX/2018, as alleged and reported by XXXX and XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX. 

XXXX. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX XXXX provided on XX/XX/2018 as alleged by XXXX and XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX balance. As there is no balance due XXXX there is no debt due XXXX/ XXXX. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with XXXX, Equifax, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

IV. 

The foregoing considered ; I respectfully request : 1. Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to Equifax, XXXX, and XXXX consumer agencies by Harris and Harris. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I attempted to recently open a Wells Fargo Business Checking and Business Saving account ending XXXX and XXXX. The accounts were not even open for a week before they were closed due to an existing account that was closed for " Business Reasons ''. These previous accounts I never opened and the bank informed me these previous accounts ended in XXXX and XXXX. I have never been a customer of Wells Fargo until XX/XX/2023 of which I was only a customer for a week. I asked the bank to dispute the accounts ending in XXXX and XXXX. They flat-out refused citing that it was a business decision. I am filing a complaint as Well Fargo refused to investigate an account that was opened fraudulent and proceeded to refuse to complete an investigation. I would like my new accounts opened and the old accounts removed from my XXXX XXXX XXXX report as the account ending XXXX and XXXX were FRAUDULENT AND NOT MINE AND WERE A RESULT OF CONFIRMED IDENTITY THEFT. I WOULD LIKE THE NEW ACCOUNTS ENDING XXXX and XXXX TO BE REOPENED.

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 2020-11-24
Company: NRA Group, LLC
State: FL
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:
Description of Complaint : National Recovery assumed an old bill from XXXX  XXXX in XXXX. The last payment made to XX/XX/XXXX  XXXX was XX/XX/XXXX making the first date of deliquency XX/XX/XXXX. Even if the debt goes to a collection agency, seven years and 180 days from this date of deliquency the debt can no longer be reported. For this reason I successfully disputed this debt with XXXX XXXX and XXXX in XXXX and the debt was removed in XXXX. This month National Recivery Agency committed fraud by rereporting the debt to XXXX XXXX and XXXX dropping my score 15-74 points. National Recovery Agency needs to be prevented from making fraudulent reports and suffer consequences.

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. PLEASE SEE ATTACHED POLICE REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted 4 separate disputes with TransUnion and 5 Disputes with XXXX regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.A.. XXXX XXXX XXXX agency has had 17 different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are TransUnion and XXXX doing so? XXXX took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXXwo times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - 3 letters, XXXX - 5 letters, TransUnion - 4 Letters XXXX - 5 Letters

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 2017-09-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My realtor and I have been trying to work with Chase Mortgage to sell my home for over a year with no resolution. I am an XXXX XXXX XXXX XXXX attempting to sell my home in XXXX, GA and received approval from Chase mortgage to proceed with a short sale. My realtor secured a buyer that was fully qualified to purchase the home ; however, XXXX made the process extremely difficult. They often missed critical timelines which caused issues with HUD, VA, and the home appraisal. Because my file changed handlers every XXXX days, it was always in review, which further slowed the process. My realtor and I filed numerous grievances with the Chase Mortgage escalations department, which had no impact on the handling of my file. Ironically, each complaint was met with acknowledgement that there are systemic issues in the short sale department due to incompetence and inexperience. After XXXX months, XXXX gave my realtor verbal approval to complete closing on my home ; however, XXXX did not disclose that the approval was for a " dry closing '' and that approval for the final closing was still pending. Acting on my behalf with a legal and valid power of attorney, my realtor, the real estate lawyer and the buyer 's realtor signed all of necessary paperwork during the closing process fully unaware that XXXX was still reviewing the paperwork. Unfortunately, the buy was not able to receive the keys to the home. A week has passed since the " dry closing '' and XXXX has not yet approved an official closing. As a result of this, the buyer has decided not to purchase the home, and is fully within his rights to back out of the closing. I reached out to the Mortgage escalations department to inform them that the buyer is backing out of the sale, and to get an update on my most recent grievance. They could not provide any updated information. Because I am no longer stationed in Georgia, owning this home has placed a financial burden on me. The home has depreciated significantly therefore a short sale seemed to be the best option ; however, neither my realtor nor I could have anticipated Chase mortgage being detrimental to the process. As an XXXX XXXX service member, I am attempting to save my XXXX loan benefit and avoid foreclosure at all costs. I am completely unsure what to do in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: ALLY FINANCIAL INC.
State: NC
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:
My credit was not supposed to be ran.

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 2019-08-29
Company: EQUIFAX, INC.
State: CA
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 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX XXXX! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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: Information belongs to someone else

Complaint:
XXXX and Experian consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.

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