BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX Loan Number XXXX was paid off on XX/XX/20 and then was transferred to newrez Loan XXXX for servicing, and then newrez ( who does not have my auth to auto debit from my account ) processed a debit {$580.00} to pay on a loan that has already been paid off. I contacted them and was basically laughed at and made to feel like I was at fault. This is criminal and NewRez gave me the runaround and told me it was legal and that they would continue to debit my account. even though I have proof the house was sold and loan was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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:
There are two accounts on my XXXX Equifax and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}

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 2020-10-25
Company: EQUIFAX, 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 status incorrect

Complaint:
Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, Equifax, and XXXX  requesting to have this Account Number:XXXX XXXX account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: MD
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 reporting my XXXX XXXX XXXX for {$10000.00} twice on my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: STERLING JEWELERS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2018 XX/XX/2018 hurricane floremce made contact with the east coast. im XXXX XXXX military XXXX  in north carolina. the XXXX XXXX XXXX  was in the mall in XXXX NC it shut down after the hurricane so we then had no nearby store to pay our XXXX $ bill. the company would never let us pay on the phonein return this resulted in my credit going way down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Total Card, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 been dealing with an Ongoing Error In Payment History Reporting with Total Visa listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXX to XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXXXXXXXXXX to his email of XXXXXXXXXXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
My bank allowed fraudulent checks to be deposited and some withdrawal. The checks did not have the proper address nor my signature. They did not catch these checks in time and now have closed my bank account due to negative balance from them withdrawing the checks back. I have called my bank and try to fix this and they claim I owe them money. They State I have used XXXX XXXX to make transactions but I know I do not use this app. They're claiming I gave out my mobile banking information to someone. I just want them to refund my money that I had my account because now I'm going on two weeks without money trying to take care of my two year old and my bills are about to be shut off because of their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
XX/XX/2020 I Notified XXXX  that XXXX XXXX  was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an XXXX XXXX. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: AZ
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:
THE PREVIOUS ADDRESSES AND EMPLOYERS ARE NOT FACTUAL I NEVER LIVED THERE AND WORKED THIER, PLEASE REMOVE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX had a data breach, and I was one of the victims of this data breach. Due to the nature of this problem in which my name, license number, social security number, and address were leaked, I felt the need to freeze my credit. I was charged fees for freezing my credit and I feel that this is injust. I am asking to be reimbursed XXXX dollars in charges for freezing my credit, because this was a necessary step that needed to be done after XXXX 's security breach. I should not be charged, and neither should anyone who 's information was leaked due to XXXX 's negligence.

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 2020-09-03
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 is missing that should be on the report

Complaint:
I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

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 2019-08-18
Company: AES/PHEAA
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:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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 is missing that should be on the report

Complaint:
I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.

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 2020-09-03
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I applied for a mortgage through Navy Federal Credit Union. I submitted all requested documents and 30 days later I have yet to receive a notice of denial, counter, or incomplete application. Ive contacted the company via email several times with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
all banks in XXXX, md are open 9-5 except bank of america. They choose to open 10-4 They have closed all surrounding branches in the area forcing lines and waits that average between an hour and two hours. They are understaffed, having only 1 full time and 1 part time teller.. This is unacceptable. @ days ago there was a mess up with an account and i had to wait 2.5 hours, taking off from work. I have a safe deposit box at another branch and the key doesnt work, They have to drill it. I was told they will call me in about a month to set up an appointment. I need access sooner. They are doing whatever they want. When you call the branch they dont answer their phones you just get a recording. They need to be sanctioned or shut down this is outrageous

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 2017-09-16
Company: EQUIFAX, INC.
State: NJ
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:
Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
There are numerous accounts listed on my credit report that I do NOT have knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Fidelity Rewards Visa Signature deprived me of my lawfully earned cash rewards by depositing my cash rewards to phantom account. I have 12 accounts at Fidelity including two checking accounts. Ironically, Fidelity deposited my cash rewards on two prior months into the account I provided automatically. For the period ending XX/XX/XXXX, Fidelity deposited my cash rewards into a phantom account I know nothing about. And this came after I complained about a customer service rep. Fidelity gave me XXXX rewards points due to the unprofessional behavior of their rep. Now my account has been tampered internally by a Fidelity VISA employee. I want my full rewards points and any applicable penalties and interest by law. This is a clear case of retaliation by Fidelity 's rep and fraud by someone within their organization

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 2020-10-25
Company: Bread Financial Holdings, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is formally the third time I report this company. 
I have everything documented and I expect that you take this in a professional matter and with competency that your agency should have. 
I do understand you are not a lawyer yet eveything is documented and clear and apparently is not being investigate properly. 
The company is Comenity Capital Bank XXXX XXXX XXXX XXXX TEXAS XXXX I made muliple occasions and documented all the attempts I have done online and other phone to MAKE MY LAST PAYMENT TO AVOID DEALING WITH THEM ANY LONGER. 1 ) THEY KEEP ACCEPTING MY BANK ACCOUNT INFORMATION, TELLING ME THAT THE LAST PAYMENT WAS GOOD 2 ) SENT ME CERO BALANCE LETTER 3 ) SENT ME CLOSED ACCOUNT KETTER 4 ) I GIVEN THEM TWO OF MY BANK ACCOUNT TO PULL THE
MONEY.

5 ) THEY JUST SENT AN ESTATEMENT THAT ADDED INTEREST AND LATE PAYMEMT FEES AFTER TELLING ME ALL WAS OK.

6 ) PLEASE REFER TO ALL MY OTHER DOCUMENTS WHERE I REPORTED THEM TO YOU BY DOING THE SAME FRAUDULENT MOVE : NO COLLECTING THE MONEY TO KEEP COLLECTING FROM ME LATE FEES AND ADD INTERS.

7 ) Despite all the email exchange though the secure website, the documents they sent reassuring me that account was closed and " XXXX  balance. Numerous phone calls and speking to the Supervisors YET AGAIN THEIR ACTIONS ARE OPENLY INTENDED TO MANIPULATE FRAUDULENTLY THE SYSTEM TO KEEP COLLECTING EXTRA MONEY.

8 ) I CALLED MY TWO BANKS TO MAKE SURE IF THEY EVEN TRY TO COLLECT OR IF THERE WAS A PROBLEM AND THEY TOLD ME THEY DID NOT ATTEMPT TO COLLECT NOR THERE WAS A PROBLEM WITH THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I received an offer to upgrade a AMEX Blue Cash card in the mail. The offer included a waived first year {$95.00} annual fee. Both me and my wife have the AMEX Blue Cash card and similar credit scores. I signed up for the offer, but AMEX refused to upgrade my wife with the same offer. After multiple attempts to resolve this with AMEX by phone and chat, I am now forced to involve you for this discriminatory and misleading marketing.

Company response to consumer: Closed with explanation