BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2018 To CPBP, SUBJECT : Bank of America 's deliberate attempt to delay process of Automatic Full Payment inspite of reaching out several times.

Hello CPBP, I have been approved for XXXX XXXX XXXX XXXX from Bank of America. I have contacted them several times to make sure that the card is paid in full ( automatic full paym

ent ). However, Bank of America has enforced a policy that unless and until " XXXX  '' is not generated, customers can not set up their account to be paid in full. The " XXXX XXXX' generation process has taken several months and upon several requests Bank of America was not willing to set up auto payment over the phone.
They have done so for charging interest My balance was just in range of {$20.00} and they have marked my account with credit reporting agencies as delinquent and in debt collection of for debt of {$1.00} ( for 4 months, total of {$6.00} ).

This has led to cascading effect of high inconvenient and many of my applications being deined resulting in hundreds of dollars of loss..

I have made full payment to Bank of America ( including the interest charge of {$6.00}, today XX/XX/XXXX). They have still NOT obliged my request for auto payment of my card, in case i use the card.

I sincerely, reqest CFPB to investigate this loophole which " Bank of America '' has created to not approve the " XXXX '' process and hence NOT honor any request for auto- payment in full.

thanks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX 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 monetary relief
Consumer complaint received 2021-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2020-07-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1.  We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.

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 2017-08-07
Company: Experian Information Solutions Inc.
State: NY
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 recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for Experian and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. Experian has not readjusted my credit score from when the account was reported on my Experian credit report, which the day before the fraudulent account was placed on my credit report, my Experian score was XXXX. After the fraudulent account was placed on my Experian credit report, my score dropped XXXX points. Experian has removed the fraudulent account, but my score still remains at XXXX. 3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER, XXXX adjusted my credit score with them based on Experian and XXXX reporting a 'new  collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither XXXX, Experian or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal 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 2019-06-09
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I recently applied to " remove '' a cosigner from my private student loan. On XX/XX/2019, I received a " denial '' to do so. The reason that I was given was : On two ( 2 ) occasions, you were late paying your monthly payment. I candidly responded, " I do remember, but my reasons were : # 1. My purse was stolen and my debit card was in the purse. I immediately reported the " theft ''. It took 3-5 business days for me to get my " new '' card. In the meantime, when Navient went in for payment, it was " rejected ''. I was not aware until I received a phone call. # 2. One of my check books was stolen from my office drawer by a custodian. He admitted to writing ( 2 ) checks before I discovered the check book was missing. I immediately closed my checking account, and had to wait before opening up a new one because I had outstanding checks.. I guess in between this time, the payment was rejected also.

If you check my payment history, I have NEVER missed a payment and have been consistent with paying. My credit score is over 700, that should count for something. I have been paying this loan for years and I am seeking FULL responsibility and now I am being rejected and penalized for ( 2 ) late  payments that was not my fault and I am seeking some relief. I am in good standing. Why am I being rejected? Please consider this letter of complaint and honor my co-signer release. 

I am not being difficult, I just feel rejected for something that was beyond my control. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a 30 year military choice loan for Navy Federal Credit Union on XXXX. 

I was approved for a {$400000.00} loan at 3.7 % interest with 0 % pmi and 0 % down payment and 0 origination fees. I was in contact with the mortgage officer, XXXX XXXX, to discuss certain topics, this took place on XXXX and XXXX. I received the preapproval letter and started searching for homes. 

From XXXX to XXXX I was not in contact with XXXX XXXX. He did send me some emails asking how the search was going but I did not respond as there was nothing to update him with. 

I contacted him on XXXX to inform him that I put an offer on a house. XXXX informed me that since I was not in contact with him that my mortgage was withdrawn. There was no notice, no warning nor did he tell me that it was required to stay in contact with him to maintain the loan application. 

XXXX directed me to reapply for a new loan. I did and now it is at a 4.5 % interest rate, which is .8 % higher than the previous loan I had. As of now there is no recourse to reopen my previous application. 

My complaint is that NFCU did not inform me that constant communication was required, did not give me an expiration date for the mortgage, nor did they inform me that they withdrew the account. I believe it was done with bad intent as interest rates are rising and they wanted to have me reapply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started working with Loandepot for the purchase of my first home, everything was great, I was prequalified on XX/XX/2019. I started looking at houses, condos, and townhomes right after my pre qualification, on Monday XX/XX/XXXX I submitted my offer and it was accepted. Later that day, After speaking to the loan officer that originally provided my pre qualification, I was advised by her that my file/application would be transferred to a local loan officer since I was going to be receiving down payment assistance thru a county program and she can not help with that type of assistance offered. No one from the local office has been in contact with me, I have called multiple times since XXXX, XXXX, XXXX, XXXX and left voicemails and no one has had the decency to return my call. I drove to the local office today located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX and there was no one there to help and the door was locked. My closing is scheduled for XXXX and we havent even gotten far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Atlanticus Services Corporation
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:
I recently discovered that Fortiva XXXX is reporting a charged off credit card on my credit report. I never applied for a credit card with this company and never received any communications from this company. I was a victim of identify theft in XX/XX/2020, when I moved from XXXX XXXX to XXXX XXXX. Please remove all delinquent reporting and delete the trade line from all credit bureaus. I am in process of buying a home and this showed on my credit report and is impacting the process. Please remove ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-05-30
Company: Experian Information Solutions 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:
Hello : This is my final request for assistance before I seek counsel on this matter. 

Since XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, I have continuously disputed this erroneous information with Experian. I reached out to the data furnisher who reported Experian has not reached out to them to verify this account has been closed and there is a standing court order which experiences continues to violate by reporting this information. Firstly they are reporting me late on XXXX and XXXX for a closed account since XXXX. 

I reached out to the data furnisher who sent and verified there is a XXXX balance on this account. The account is closed. I enclosed copies of the court order to Experian and to no avail, this line still remains on my credit report. 

This is the final step I was advised to complete before I seek punitive damages for the continued reporting of false and incorrect information.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 2017-08-07
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:
This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items XXXX in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: NY
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 recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently was informed that Capital one was reporting a 30 day late payment to all three credit reporting agencies. After contacting Capital One via phone, the customer service agent identified that 2 payments were credited to one of my cards and none to the other. The payment in error would have paid off the account in question. The agent informed me there was nothing they could do. 

As a customer of Capital One for nine years without a single late payment, I believe this to be an unfair business practice not to be able to correct this situation. 

My card ending in XXXX had 2 payments, and my wifes card ending in XXXX was reported late.

Company response to consumer: Closed with explanation