BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I secured a line of credit on XX/XX/XXXX, in the total amount of {$26000.00} .On XX/XX/XXXX I filed chapter XXXX bankruptcy and received relief on or about XX/XX/XXXX. I was later relieved of my employment about XX/XX/XXXX. I notified the appropriate parties of my inability to make timely payments ... until I could regain employment. Shortly after that, the creditor stopped billing me for the account. All this occurred around the time of the financial upset of XXXX. Some time later I attempted to contact the creditor and was told by the then parent company that the account could not be located. I put it aside until in XX/XX/XXXX when I then put my house on the market for sale. After a title search, it was discovered that the " deed of trust '', for that loan, was still in place. On XX/XX/XXXX, I then contacted the parent company and was again told that the account could not be located. I then proceeded to request a " release of lien '' and was told that after submitting the requested info, it would take a approximately 30 days for an answer. About XX/XX/XXXX I received another request for more info, of which my attorney either submitted or did not have access to. He then requested a balance due or the release of the lien. There has been no communication since that time. The contract for sale of the property had to be dissolved due to my inability to deliver a clear title and am now unable to put the property on market for sale for that same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX XXXX XXXX XXXX placed a derogatory mark on my credit report on all four credit bureaus. See attached documents. Upon further research, this account is still being reported incorrectly. Even though, I dont believe that this account is mine, i paid it off to resolve the account as it was reporting on my credit reports. I have asked on numerous occasions that the credit line be updated to reflect the correct information in accordance with the FCRA law, but no change has yet to done. According to the FCRA, XXXX XXXX XXXX, has violated my rights as a consumer and Im requesting legal action to remove this account immediately from all four of my credit reporting bureaus. 

I had to search for the records, and i have been successful in locating the factual data to make this claim actionable and creditable on my part. The earlier, claim was ignored with their remarks but no factual proof, however. I have included the records this time, please assist me in this legal venture. As XXXX XXXX XXXX is engaging in illegal business practices, and they are doing it on purpose. 

I paid the collection even though I dont believe the account is mine on XX/XX/XXXX, yet when I review my credit bureau reports and the information is still not accurate and they are intentional giving me the brush off and reporting the account incorrectly on purpose. I have asked on numerous occasions that the credit line be corrected, as this is a direct opposition to the FCRA and I want it fix on all four of the credit bureau reports, the XXXX XXXX XXXX is reporting the credit line as if i just made the payment in XX/XX/XXXX which is not actual nor factual. As I believe they will continue on with this business unethical business practice unless a stand is made. 

The attached records will support my statement above and my previous statements against XXXX XXXX XXXX, as i had stated earlier in my first complaint. 

Thank you for your assistance in this matter, as it is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage co overcharged us for escrow which was part of our 2009 modification. I have submitted several times to you which provided documents on the escrow overcharge. I read where cfpb found Saxon and ocwen guilty of escrow overcharges. Why didnt they take our problem as part of their findings

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear Sir/ Madam, I'm a current member of the Navy Federal Credit Union and recently I had two return check fees of XXXX for two different  amounts. On XX/XX/18 a {$29.00} returned check fee was applied to my checking account for a {$12.00} insufficient funds, but at the time it wasn't save to put any money into the accounts at Navy Federal Credit Union. Because during the weekend of the XX/XX/18 thru XX/XX/18 the bank was having banking issues with the system. On XX/XX/18, I was charged another {$29.00} returned check fee for insufficient funds of {$.00} cents. 

On XX/XX/18 the Navy Federal Credit Union system issues were worse. Members were missing their deposits, aa well as other serious issues, which lead to them turning phone lines off. The phone lines rang out busy signal for maybe like 3 hours or more. When I finally got through a representative I was told that they couldn't remove fees because I've had it done before in the past. 

I would like for someone to help me resolve this matter as well as look into another over charges on my account, such as finance charges on loans. At this point I would just like to make sure that I'm not being over charge on this as well.

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 2020-09-23
Company: Complete Credit Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complete Credit Solutions has been trying to collect a debt from XXXX XXXX ( original creditor ). They are also reporting this collection on my XXXX report. I've asked them to remove this debt numerous times and they have refused. 

XXXX XXXX just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from Complete Credit Solutions that they will not try to resell this invalid collection debt to  another company. 

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 2018-12-22
Company: JPMORGAN CHASE & CO.
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 had fraud committed against me and reported it to XXXX, Chase and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: Bread Financial Holdings, 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:
I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both Commenity bank and XXXX XXXX which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX account # XXXX and XXXX XXXX XXXX XXXXK account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET

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 2018-06-13
Company: EQUIFAX, INC.
State: GA
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:
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, Equifax or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that XXXX, Equifax or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX   XXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX/XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX ( XX/XX/XXXX ) XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX/ XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from XXXX, Equifax or XXXX and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised XXXX, Equifax or XXXX, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Experian Information Solutions 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 have been sending letters to Experian and XXXX  for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2018-06-13
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$300.00} via XXXX for XXXX concert tickets. This was my first ever XXXX transaction. The seller never s not them and disappeared. I tried to do a stop payment right away with PNC, but you cant with XXXX. I filed a dispute, and although they acknowledge the scam, they say that because I authorized the transaction that its not considered fraudulent. What protections is PNC offering? How are they not investigating this rampant abuse, as Ive come to learn. Why is nothing being done about my {$300.00}, and more importantly, stopping this XXXX XXXX ( XXXX ), and others like him, from continuing to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
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: Account status incorrect

Complaint:
I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and Equifax, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a XXXX XXXX XXXX man, but because of a XXXX I sometimes behave as a very young teenager and my mother has to handle my finances and doctor 's appointments. i had an account with Capital One where my part time paycheck was deposited. I received a fraudulent check on XXXX and without knowing I tried to deposit it on my Capital One account and the bank closed my account and sent me a check for the balance on the account of {$420.00} dollars. I kept the check uncashed and when I gave the check to my mother I was already over 360 days. My mother does not speak XXXX and she tried to get some help to call the bank and explain the problem. My mother needed some help to explain the problem in XXXX. today my mother asked my XXXX to help me call the bank and try to get my check reissued. i had to talk to the bank representative and use my phone to verify my identity, but the representative informed me that because I did NOT cash the check which was issued on XX/XX/2019, it had expired and I had lost my money. I really do not understand why the bank could not issue a new check when other financial institutions are able to do it. The New York XXXX Funds has checks for years without being cashed and are waiting for the owners to claim it. I think Capital One practice only benefits the bank and does not take into consideration cases of those with XXXX or XXXX adults. I have caused some stress to my mom by sending money to scam callers in the past and so on. Can someone help me get my hardworking money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Twice I have had my money stolen via XXXX by sending money to the wrong user the first time it was {$300.00} sent to someone with my old number, and recently I was scammed into sending {$970.00} by someone offering services, sending a fake address number and name and then when I showed up to the location the business did not exist and there was no one to make contact with. In both situations I asked my bank and XXXX to refund the transactions and they refused because the money was already transferred to the recipients bank. Only stating that I would have to take it up with the recipient. And I am unable to contact the recipient because they number they gave me they no longer respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my credit card ( account ending XXXX ), stating no activity in 12 months. This is untrue, in XXXX I made a payment bringing the account to a {$0.00} balance. They closed the account without notice, and refused to open the account - wanting me to reapply for a NEW CARD. This is fraudulent and deceptive behavior. They knowingly closed an account that would have an adverse affect on my credit score ( less available credit ), for a reason or policy that I had not met.

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 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both Trans Union and  XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.

Company response to consumer: Closed with explanation