BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
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: Account status incorrect

Complaint:
There are two late delinquencies showing on my XXXX XXXX XXXX Credit card in XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per XXXX. 

Both times we spoke with XXXX XXXX XXXX on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this with them.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: OH
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 a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH 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 2020-12-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). 

This occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. 

I filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. 

I then received a letter telling me that " No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. 

Mr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. 

The XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. 

XXXX PD said that he was seen on camera withdrawing my funds at a " XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I mailed Capital One a signed letter, which included the account number, requesting to close my 360 Savings account. As of XX/XX/XXXX, the account has still not been closed. 

On XX/XX/XXXX, I transferred the account balance out of the account, leaving the account with a XXXX balance. The account did not automatically close as is standard at many banks. Capital One does not provide any self-service options on their website for closing this account. Capital One does not offer secure chat or a secure messaging system through which I can close this account. I called the customer service phone number twice, waited on hold for several minutes, and was ultimately unable to speak with a representative because the wait time was so long that I could not continue to wait because of a serious family medical situation. Since there was no convenient way for me to close the account, I resorted to sending a signed letter on XX/XX/XXXX to the address for servicing 360-branded accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX of this year TransUnion created a credit report on me that was erroneous on TransUnion part. TransUnion has admitted their error. 

By law TransUnion is required to notify any and all parties that may have accessed my credit report. 

TransUnion has failed to do so. TransUnion has not followed the law. 

TransUnion has failed to return calls. 
TransUnion has failed on many fronts.

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 2021-02-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-06-05
Company: SYNCHRONY FINANCIAL
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:
I recently checked my credit score on XXXX XXXX to see that I had a hard inquiry from an unknown source ( syncb national credit cards/airlines ) from XX/XX/2018. I never applied for this or gave my consent in any way. I called the creditor and was given the run around and told that I would have to dispute this with XXXX XXXX. XXXX XXXX did not give me the option to dispute this hard inquiry, it directed me to dispute it through the creditor which I had already tried and I got the same result with XXXX and 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 2019-06-05
Company: FCI Lender Services Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The lender charges us usurious interest rates and even late fees for XXXX. Lender ignored our request to remove late charge of {$640.00}. Rate Interest Due from XX/XX/2019-XX/XX/2019 is {$8900.00} and Additional Daily Interest of {$210.00} if paying after XX/XX/2019.

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 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My exact issue was not stated, but it deals with Bank of America withdrawing a {$36.00} automatic payment from my acct. on XX/XX/2018, 6 days after I paid the complete balance of {$3600.00} on XX/XX/2018 and asked if the balance was XXXX, which the cs agent said yes, then I asked that the account be closed. Then, since they had authorization to take automatic payments, this company fraudulently took a {$36.00} payment on XX/XX/18 that I did not owe and then they charged me a {$27.00} return check fee because I had already closed the checking acct. I used for the automatic payments.I am dealing with phishing scams on personal email and possible theft of my checking acct. #, so I closed my checking acct. & opened another. The only way I even knew this was happening, was that I received a letter telling me that there fraudulent attempt to get another payment from me had failed and now I was being charged a fraudulent fee for a return check??? This is evil. I spent 1 hr. & 15 minutes wasting all of my phone minutes trying to reach a cs agent at Bank of America, talking with XXXX first who hung up on me because I was upset, XXXX who would not listen to me, but did take the return check fee off & finally XXXX who told me that the {$27.00} fee was taken off and the {$36.00} payment was cancelled out. I wanted a written confirmation of all of this evil that had been done to me and their confirmation that I had a XXXX balance, but they told me they can't even do that, I will have to call back and waste my time again on Bank of America.

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 2021-03-10
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ii have asked XXXX XXXX on several occasions to provide proof that i owe the debt i asked them to provide a signed contract from the original debtor and it is now 9 months later and still don't have any info or an answer, when i called and asked them they told me to just pay the bill hen in fact i don't owe the bill we walked away from XXXX  free and clear we returned the phones as instructed by XXXX  paid our final bill and we thought it was over. when i ask for proof they gave me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: PA
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 did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When checking my credit report it became apparent there was an old XXXX cell phone bill that apparently hadn't been paid and I had NEVER been notified about. I contacted XXXX directly and paid them, as they were the original creditor. I then contacted the collection agency attempting to collect the debt and asked them to update their records and delete the account from my credit report, as they have no collection authority on a non-existent debt. They refused to comply or even give me any information about how to contact a higher up in the organization. I was simply hung up on more than once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: GREAT LAKES
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: Account status incorrect

Complaint:
Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX XXXX # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 I was a victim of fraud that happened involving my GM Capital One MasterCard. The series of communications that I had with Capital One in the months since the event have been disturbing. Upon my initial call and attempting to explain that I was involved in a  phishing fraud was nearly impossible, as the customer service rep didn't understand what I was trying to state. Nonetheless, he stated that I had, " No worries ; Capital One has a zero liability fraud policy. '' As months went on, Capital One finished their investigation and placed the charge back on my card and said they don't cover that type of fraud. I made numerous calls after that. On XX/XX/20 I spoke to XXXX in the fraud dept. an she stated, " I feel sorry for you but everyone could say they were a victim of this type of fraud and scam our company. '' She basically did not believe me. I was finally able to file a police report when stations opened to the public with limited hours during the midst of covid. I sent the police report, with letter and documents to Capital One in Utah on XX/XX/20. On XX/XX/20 I. followup since I had heard nothing from CO. I then spoke to XXXX - a manager in fraud dept. and she proceeded to tell me, " We don't cover fraud when you assist with it. '' This woman accused me of being involved with a criminal act! She should be relived of her duties. No one going through this should be accessed of theft. She mailed out their fraud policy. Upon my review, and I had already been asked to review the policy in previous calls, NOTHING states this type of fraud is excluded. CO would not even put this balance in a " no interest accruing state '' while the police investigated. XXXX from corporate called me after I emailed their customer complaint center and said, '' Your card has a promotional balance I can give you for 15.7 % but that's the best we can do. '' The detective working on my case spoke to the CO Law enforcement dept. and he said they offered no assistance to resolve this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AMERICAN BANCSHARES MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2020, my spouse and I found a home we were interested in purchasing. We had secured our financing with XXXX XXXX and were ready to move forward with putting in an offer on the property. My realtor reached out to the selling agent and was told we must use their lender. 

I was very concerned and voiced my opposition because I did not want to begin the process again, and we were happy with our lender and the work she had done for us. My realtor advised me that this was illegal for them to force us to use their lender but because we loved the home we decided to go through the process. 

On XX/XX/2020 ; my agent received the lenders information via email, and forwarded it to me to apply. 

My spouse and I applied to the mortgage, and once the application was completed the lender ) reached out. We spoke and I informed her that we had already secured financing with XXXX XXXX, and she told me that " If we did not use her services, she would not recommend to the seller to accept our offer, because she wants the business. '' She also stated that the seller relies on her recommendations on what deals to take, and that we would not get the house if we did not use her. 

This was extremely off-putting ; however we wanted the house and went through the process to apply for a mortgage with American Bancshares even though we wanted to continue our business with XXXX XXXX. 

We have now closed on the house, and have lived here for a month ; and I am getting emails from the lender stating they are selling the mortgage to an investor and we need additional flood insurance. 

I informed them that I would not be purchasing any additional coverage, and that the purchase of the investor is not my issue. 

This entire deal has felt extremely shady ; and even after closing things don't feel quite right. 

I have spoken to my new neighbors and many have had similar experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: TN
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 been trying to have this issue addressed for at least the past 10 months. I have submitted all the documents that Experian asked for which proves that I have never filed for bankruptcy. Experian told me that a third party source informed them that I have. However, I reached out to the third party company which is XXXX XXXX. XXXX XXXX had informed me that the information that Experian is reporting is inaccurate. It seems that I can not get any help from Experian about this matter. I gave them everything that was requested, even a letter from my local courthouse stating that I have never filed a bankruptcy and also a letter stating that it was never reported from west Tennessee that I filed a bankruptcy. I dont understand why Experian is reporting this.

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 2018-11-12
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, a collection agency named National Recovery Agency, started reporting 3 medical bills on my credit report. Prior to these accounts appearing on my report, I did not receive my notice of my right to dispute. This is a violation of my federal rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( XXXX XXXX ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.

Company response to consumer: Closed with explanation