BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Exeter Finance Corp.
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 information incorrect

Complaint:
On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged account ATTORNEY GENERAL-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The issue I have with my student loan processor, Navient, is that they black listed my bank account and I am unable to enroll in auto-pay or make payments from my new checking account. I have repeatedly called Navient customer service to resolve this issue with the sole result of being completely ignored and without any followup. I have gone so far as to have my bank fax a form confirming the routing number, account number, my name and my Navient account number to Navient with no successful resolution. 

Here 's the details : In early XX/XX/XXXX, between XX/XX/XXXX and XX/XX/XXXX, I moved my personal checking account to a new bank ( XXXX XXXX XXXX ). Shortly thereafter logged into Navient to set up Auto-pay with the new bank account info. 

The following month I received an email from Navient stating may payment was passed due. I called customer service, and was able to make a payment over the phone from my XXXX account to bring the account current, and then try to set up auto-pay again. So after that call I went in to add my XXXX account again for auto-pay. 

A month later I received another payment past-due notice. Again I called customer service to try and resolve this issue. This time the company representative tried set up the auto-pay on her end and was unable to. She received an error stating that " the company received a returned transaction '' from my that combination of routing number and account number, and it was not accepting it anymore. However, The CSR was able to verify that there was an existing transaction on record ( from my previous month 's payment ) from that same bank account. She said she was going to put in a request to investigate the issue and have the company follow up. I never got a response from them or a follow up call. 

At this point the past due statements notices start coming in. I have made 4 additional call in the following 3 months trying to get this resolved. Each time the representative said I had to provide a statement from the bank to validate my bank account, even though they had a valid transaction in their system. 2 weeks ago I asked to speak with a supervisor, who told me she was going to follow up with me within 2 days. Never heard back from her. 

On XX/XX/XXXX, I took off early from work to go my bank and had them fax a form that showed my full name, Routing number, Account number and Navient account number ( for reference ). On XX/XX/XXXX ( today ) I called Navient to follow up on the fax, hoping this would finally resolve the issue. I was told by the CSR ( XXXX ) that although they received the fax, it wasn't a proper letter stating that my account was valid. They would accept a form. When I asked to speak to a manager or superviser, I was left to stay on hold for 30 minutes and then told one was not currently available and the best they could do was have someone call me back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
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:
I have disputed the account XXXX XXXX XXXX  XXXX with Experian for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: NV
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. 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 explanation
Consumer complaint received 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The reason for my writing Is that Capital one is being unreasonable. I had a XXXX on XX/XX/2017. This XXXX incapacitated me for a whole month while recovering to my normal state, as a result, I fell behind on that month, monthly payment. I took the liberty to write to capital one to inform them of my medical condition. They requested that I send them proof of my hospitalization which I did attach a medical certificate as proof and my bank statements ending XX/XX/2017, which shows a balance of {$1500.00} in my bank account showing I had enough money on my accounts to make the {$27.00} payment which was past due were it not for the medical condition. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment. But to my surprise, Capital one refused to remove the late payment history of the time I was down due to the medical condition which was 100 % not my intention or doing to be late. I have always had a good reputation with this company, I have attached the letters I sent to capital one for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I contacted Stenger and Stenger and made a payment arrangement for $ XXXX   monthly starting in XX/XX/2018. I called back on XX/XX/2018 to verify the date I was to pay. I was told that the arrangement had been canceled because they are going to send me a summons. Rep was happy to make another payment arrangement but not for the previously agreed upon terms and if I did not make an arrangement they would continue to pursue a legal route. I feel this is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank of America ( Ref # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of BOA  XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.

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 2020-09-16
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new us bank account XXXX XXXX. I received my card and the first transaction ever I attempted to XXXX {$100.00} but was unable. I called us bank customer service and was told my account was frozen for suspicious fraud and I needed to contact a e fraud rep and resolve the issue with him. I called the representative and he Explained me he can not tell me why the account was flagged but advised me to go into a branch and show my ID but as of that day my account would be frozen and I can not access any funds until I can go into a bank with identification. So today XX/XX/2020 I went into the blue diamond location and took my PASSPORT, XXXX SHERRIFS CARD ( which has my name, dob, and photo on it ), MY INDEPENDENT BUSINESS LICENSE, MY HOSPITAL DISCHARGE PAPERWORK, MY XXXX XXXX, AND MY XXXX bill. The manager proceeds to take copies of all my documents and informs me she will not allow me to access any funds until she speaks directly with the fraud rep and tell him I was able to be verified. The rep mark is off today. I asked her if there was someone else in that same department we can call so I can withdraw my funds before I leave. She told me NO and she was not going to repeat herself and told me i have to wait for mark and her to speak to release my funds and unfreeze my account. So I left the bank on years because ITS ALL THE MONEY I HAVE! So I left the branch thinking maybe in a few hours I can go withdrawn my money to get groceries and pay some bills. I get a call 20 minutes after leaving and the fraud rep said nope you cant have any of this money cause this isnt you and you dont look anything like the identification provided. What? I dont know what to do, they refuse to close the account or send me any funds. They stole my money and discrimination against because my last name is XXXX and Im a XXXX XXXX. The fraud rep treated me like some criminal and told me to go get a real job instead of scamming people. I need help. I am considering retaining an attorney to sue this branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: WELLS FARGO & COMPANY
State: IL
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 letter dated XX/XX/18 to XXXX disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from XXXX dated XX/XX/18 that stated that XXXX updated this account to reporting as " Paid in Full ''. I received another letter from XXXX on XX/XX/18 that stated they were researching my request and would provide a response by XX/XX/18. After I received that letter from XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I received a letter from XXXX dated XX/XX/18 that stated the account was being reported accurately. I received another letter from XXXX dated XX/XX/18 stating again the account was being reported correctly and they provided a copy of a billing statement. I pulled my XXXX  report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was not marked in dispute on my XXXX report. XXXX has violated section 623 ( a ) ( 3 )  of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.

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 2017-06-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to compaint nbr XXXX posted on same site. While JPM has contacted me twice during this week, they are now stating that my loan is a conventional loan. <P/>However, JPM representative assigned to the case, XXXX XXXX who is acting as a liaison between the mortgage unit manager and myself, does not know exactly what transpired at the time. She was trying to get information as to how I came about the rate and the loan application. It is obvious to me that the purpose of obtaining that information from me is so that they can formulate their argument/excuse as to why I received the incorrect interest rate. <P/>Furthermore, I requested that JPM post her communications thru this site and she confirmed that indeed all our communications were posted here. However, I do n't see any posted on the CFPB portal. <P/>I restate that JPM after confirming that they indeed granted me a Harp loan, they did n't honor the available rates at the time which were below 4 %. Back in 2011, JPM insisted that the only rate I qualified for was 5 % and only if I increased the term of the loan. The effect of the change did decrease my monthly ; however, it increased my overall amount when i had excellent credit. I had at the time 2 mortgages and even under the worst personal financial difficulties, I never defaulted on any of my mortgage payments. As mentioned before, I do believe that JPM incorrectly granted me a high interest rate because they were reporting I owed them money on a credit charge, JPM made a mistake of sending out after they indicated that I had not been approved for such credit. XXXX paid off the vendor and JPM did n't want to hear about it. The other possible reason why jPM gave that outrageous plan is because the building under which I had the other mortgage for an apartment I own, had the land and property titles under my apartment. JPM was holding the master loan and they knew the building was in trouble. However, neither the credit card issue and much less the separate mortgage under the apartment needed to be considered in JPM analyst/evaluation of my credit worthiness. It seems to me that JPM actions were discriminatory and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX SYNCB/ XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,

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