BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2020 I missed my payment by a few days and was assessed a {$25.00} late fee. My family is struggling due to XXXX but I was able to catch up and make the payment a few days later. I even made a larger payment to try and bring my balance down. When I requested the fee be waived I was told no as Ive had one other fee waiver. Please help me during this time where {$25.00} means a lot to the average American family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit from my business bank account ( local Institution ) to my personal bank account at Bank of America. The deposit was over {$5000.00}. I have had a banking relationship with Bank of America for over 20 years. I have made deposits from this account to Bank of America for over nine years without having bounced a check. There have been dozens of deposits over {$5000.00}. I made the deposit on XX/XX/XXXX at an ATM via check and the none of funds are available until XX/XX/XXXX. This is 10 calendar days and 8 business days which seems unacceptable given the nature of the relationship, the history, etc. Also, the bank should pay interest during the hold period if the funds are found to be valid.

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 2018-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a hold of my experian credit reports and have noticed numerous errors on inquires that i did not authorize on my behalf. Below they will be listed numerically. 

1. XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX Please help me with this dilema as it has been stressing me out.

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 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are 3 different inquiries i have never applied for nor have any knowledge about. 

These accounts are listed below. 

1. XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX date : XX/XX/XXXX Why is there a double inquiry for the same company? 

I dont have any accounts opened by these creditors. 

I recently received a copy of my XXXX credit report I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.

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 2021-07-02
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
balance reduced from XXXX XXXX to XXXX XXXX XXXX. Account has not been updated on all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I Have send over Coinbase money to XXXX XXXX XXXX for a service. Service was not provided as arranged so I cancelled payment with XXXX XXXX as arranged. He cancelled it also. Now XXXX did not repay my funds. As I contacted Coinbase the closed my account. XXXX. XXXX appears as they Have return my funds Coinbase says there is no money on my account. Please research.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX of last year, I found a collection on my credit report that listed XXXX as the creditor. I called them and they said the debt was originally for a company called XXXX and directed me to them. I got in contact with XXXX who confirmed that the debt was not mine and they referred me back to XXXX. I contact XXXX numerous times with no success. They can't find anything under my social security number and the debt in question is for someone with a different last name ( The last name is my ex-husband 's name but I never took his name or used it ).  XXXX always promises to delete but they don't. I disputed with XXXX   with no success as XXXX said it was valid. This collection is not mine and it is negatively impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Sezzle 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: Account information incorrect

Complaint:
This company Sezzle is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was called on XX/XX/XXXX about a debt collection. When I returned the call I found out that they were trying to reach someone else but had the wrong number. I asked them to remove my number from their list and to not call me again. 
Today, XX/XX/XXXX they called again looking for the same person after I told them to remove me from their list because they have the wrong number. I'm tired of being harassed for someone else 's debt. They keep looking for a XXXX XXXX, and I am not him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email at XXXX on XX/XX/22 alerting me that a credit card was opened in my name through Bank of America but it was not me, it is fraudulent. 

Your credit card application has been received XXXX XXXX, We wanted to let you know that we've received your application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We're currently reviewing your information and you can check your application status online at any time. 
Your application reference number is 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 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In early XX/XX/XXXX my wife needed medical assistance. The billing company was XXXX, XXXX XXXX XXXX XXXX. I paid the invoice in XX/XX/XXXX. But to today it shows as a deleterious mark on my credit. I asked TransUnion to remove a few months ago but it 's still there. I tried to dispute the entry again this evening and TransUnion 's page would not allow me to do so. Here is the original creditor 's contact information. Please help me resolve this. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
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:
On or about XX/XX/XXXX, I checked by chase account online. I noticed that all my funds ( {$1600.00} ) had been withdrawn out of my account that I did not authorize using chase quickpay through XXXX. I immediately called the bank to let them know my account had been fraudulently accessed and all my money was stolen from my account. They froze my account and stated that they would conduct a fraud investigation. I then changed all my passwords, usernames, and email and opened a new account due to this fraud. 

On or about XX/XX/XXXX, I called chase to check the status of my fraud claim only for them to say that they found no fraud and that they were unable to refund me my money that was stolen from my account and that I should seek outside sources.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/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 2017-11-25
Company: Experian Information Solutions Inc.
State: TX
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 have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX XXXX 2XXXX XXXX XXXX 3- XXXX  XXXX XXXX XXXX 4-XXXX XXXX  XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX 9-XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX XXXX XXXX XXXX 12-XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: LOAN TO LEARN
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have XXXX federal student loan and making payments under income base program. I paid my private student loan from XXXX XXXX and I paid it in full startingXX/XX/XXXXup to XX/XX/XXXX which was XXXX. Now XXXX XXXX is trying to charge me XXXX which I paid it in full 4 years. I have no idea what they are saying I have XXXX kids to take care and I do not have enough income even to pay my federal loan. I ask you to help me my condition because I am in big financial crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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 belongs to someone else

Complaint:
XXXX, experian and XXXX  has accounts on my credit report thats not mine/fraud.

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 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX  dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Go Capital Holdings, LLC
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:
Approximately two weeks ago I checked my credit via XXXX XXXX and noticed that my car lender Go Financial had reported that my vehicle was affected by a natural disaster. I live in XXXX Florida and hurricane Irma did in fact have a impact on me. The vehicle that I am financing with them however was not impacted or affected by the hurricane. The only reason why I was alerted to this report is because I was looking at purchasing a new or used vehicle at a car dealership and the salesman asked me this report. I couldnt believe it! The salesman later informed my wife early this week that more people looking to buy a vehicle also had this on their credit report and that it was the same finance company Go Financial who reported it. The salesman advised that customers did not know as well as us. This report Did Impact The decision Not To Get A Loan with a good interest rate. The salesman advised that this company should be reported and that Go Financial did me No Favors with this kind of claim. Thank You!

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 2019-09-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to facilitate a short sale on my property for a few months, My father passed away and I am trying to get his estate settled asap. I have a buyer and have hired a realtor that got us a great offer. The 1st mortgage is getting a full payoff and the second and third lien holders will be taking less than they are owed. We tried very hard to get enough money to get everyone paid off but the market didnt agree with our pricing. Eventually after months of work we got a bonified offer from a buyer that is paying far more than he is willing to pay at foreclosure. The second mortgage postponed the original sale an entertain my offer but didnt allow for a reasonable amount of time to review and theyre now foreclosing again. I have been struggling for so long and just want to do the right thing. I tried to keep family home after my father passed but he was too far in debt for it to be possible for me. I just want to sell my home and get as much as possible for the bank and avoid a foreclosure in my neighborhood, and community. I need help and will cooperate 100 % with any of the banks requests. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt off in the amount of XXXX on the XX/XX/XXXX this year. The debt was removed from my credit report on the XX/XX/XXXX of the same month ; today the debt reappeared on my credit report in the amount of XXXX. It has been more than thirty days and this should be reported as paid. I have yet to be sent my initial promissory note, last bill statement, and receipt for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a program set up with Navient that automatically debits my loan payment and they have been taking my monthly payment out for almost a year now. All of a sudden I am getting late payment fees, even though my payment has been automatically debited on time for months! I called Navient and they said do n't worry it was a mistake in the computer and to ignore it well then today I get a notice that my credit score went down for delinquent/late payments to Navient!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had filed a report in XX/XX/XXXX with you and received a letter from New Rez stating they would correct my credit report after incorrectly handling loss mediation when I was laid off. I now am selling my house and need to purchase a new one and I'm finding out they did not do as they said, my credit is still showing that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they have added an additional one for XX/XX/XXXX which was called in on XX/XX/XXXX but they did not apply until XX/XX/XXXX. below is the original information for the original complaint. They really need to rectify this and stop the process of incorrectly marking this account as late when it was not.

Case # : XXXX Reference # : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Over ten days ago ( business days ) I requested Trusted ID Equifax to unfreeze my credit account and I was told it would take up to 48 hours. As of today, it is still frozen. I tried calling Trusted ID Equifax and Equifax itself to get help. I have been put on hold for over 10 - 15 minutes and been refused to be able to speak to a manager. I need my credit file unfrozen asap and I would not have frozen it in the first place if it was n't for their breach. This is hurting me as I have applied for a credit card with my credit union and they have been watching my credit file to see if it has been unfrozen. My credit union called me and informed me that my credit file had not been unfrozen on Friday, XXXX XXXX, 2017. This is very wrong that I can not speak to a manager and must be spoken to by someone reading off of a screen as to what to say to me. This is not customer service. Equifax should be polite and assisting clients in a professional manner because it was their fault all of this happened in the first place by not uploading security features. If nothing else, please make this complaint against Equifax for be uncooperative in assisting consumers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation