BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
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 was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We transferred {$4400.00} via ACH transfer from Bank of America to XXXX XXXX located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( BOA ) to amend the request and correct account number. I contacted immediately to BOA customer care and they said we can't do anything except sending recall request for ACh transfer. We tried to contact multiple times to XXXX XXXX and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between XXXX and bank of America. Till now we made more than 20-25 calls to bank of America and XXXX. Really really bad experience ....!! I would never ever make any ACH transfer to this bank.

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 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX  XXXX  also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: MO
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 filed 2 separate identity theft reports to Equifax regarding fraudulent accounts & inquiries in my name. They have not removed the fraudulent information even though XXXX & XXXX has done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in FULL on XX/XX/2020, and they did not credit my account until XX/XX/XXXX. The bill was due on XX/XX/XXXX, a holiday. 

I have a ten year history with this company of making on time payments. That means that 120 Payments were made, and they were never late. 

I made the payment in FULL in anticipation of having XXXX on XX/XX/2020, KNOWING I WOULDN'T be dealing with financial issues. 

Because of the vendor mis-crediting my payment as late, they charged me a {$40.00} late fee on a {$0.00} balance. 

As stated, I had XXXX in late XXXX and did not receive my mail, including this {$40.00} late fee. 
Vendor acknowledges that based upon my history they WOULD refund this fee. 

HOWEVER, I did not contact them, until the following month, at which point, they charged me a second {$40.00} PLUS INTEREST, on a {$0.00} balance. 

After spending an hour and a half on the phone, vendor REFUSED to reverse all charges, and holding me XXXX for the {$40.00} payment, saying they would reverse the one if only i paid the second by providing my bank account information. 

I explained that if the ORIGINAL {$40.00} late fee was reversed, there would be no cause for the others, as the balance on my account was XXXX. 

Again, after speaking to several people, including someone who claimed to be a supervisor, they refused to help me. 

At present, they continue to attack my credit, and have racked up additional LATE FEES and interest on a XXXX DOLLAR BALANCE. They are now claiming that I owe them {$140.00} due XX/XX/2020. Starting with NO BALANCE, they have progressively continued charging me more and more each month.

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 2020-10-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX  and XXXX reported late payments in XXXX and XXXX of XXXX, while XXXX  reported three late payments in XXXX, XXXX, and XXXX of XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XXXX of XXXX. There are also several inconsistencies regarding account XXXX in the payment history section. XXXX  is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX  in the months of XXXX, XXXX, and XXXX of XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I was dismayed once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2018-04-05
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. 

They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXL XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX - XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX credit report TransUnion credit report . Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.

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 2017-12-19
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: Account information incorrect

Complaint:
Items and remarks were removed from my credit report 1 week ago. No notification was sent. No updated credit report was mailed. The information reappeared on my report with no notification. I have contacted the company and they confirmed that the information was indeed no longer on the report.

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 2020-11-19
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX {$100.00} was charged on my credit card to XXXX and it was charged by someone with " art deco '' email ... they were able to go into my acct and change my email address

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 2021-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have requested the Navient which is my Student loan company on XX/XX/2020 for the Deferment application and all of the payments, the Balance of Statements, and the term of my students loan from the beginning of the loan. I have requested the Navient sending all of the documents to my mailings address, but they are not sending any information to my mailings address. 
I had called them requested for the Deferment application sending it to my Mails address, but the loan processor sent me the wrong application to my Email, and they are keeping asking me, Email harassing me every week that I have to return my electronic E-Signature back to them. I am not sending back my E-Signature to them for the difference application, because I am still waiting for them sending the documents to my Mail. They are also changed my loans term interest rate and charged for the applications fees, raised up the monthlys payments amount. They are lied, cheated and deceptive without my requested and my approval for any change of my loans term in the past. They are not doing as the same what they are saying and as stated in their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was a customer with XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. Due to job relocation to another state, I had to return equipment and stop cable services in XX/XX/XXXX. I called and asked that service be stopped in XXXX and was assured it was done. A month later I was billed for services after the cancellation and equipment. I called and was told that equipment was received but billed in error for services after the cancellation {$270.00} and was assured it will be corrected. Around XX/XX/XXXX, they sent it to collections, I called again and it was removed and told errors have been fixed. Fast forward to XX/XX/XXXX, I notice a collection report on my credit from AFNI. I didn't receive any notice. Called to resolve and was told that they are just acting on behalf of XXXX XXXX XXXX. Attempts to resolve have been futile. I called XXXX XXXX XXXX and they say I do not have any account or balance with them yet AFNI claims I owe them. This has caused over 70 points drop on my credit score since they reported. I have disputed with the credit bureaus but AFNI still insist that I owe. I have requested proof of the debt but they haven't provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: BB&T CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I went to BB $ T to open a secured credit card for {$500.00} and at the end my application got denied even though I have a checking account with them I am a victim of fraud from XXXX bank and that is a card that I never opened They are also not helping me and think I used it since someone made 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 2019-06-10
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 in disagreement with the items listed on my credit report as having late payments..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim. It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A late payment is reported on my credit report on XXXX, 2018. The account has always been on autopay and when I asked the company for an explanation, they told me they can not go back to see anything information older than six months. When I ask them to update and correct the late payment they have reported to the credit bureaus they have refused.

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 2022-01-05
Company: NVR INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio.

Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in 48. Stay low and I can qualify for FHA.Even my son was suppose to be my cosigner and they state isn't approved. 

The firts company is NVR Mortgage The name of Loan processor XXXX XXXX. 
Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX 2021.He pre-approved me for it. I got unemployed XX/XX/2021. 
I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. 
One at sesalons pay with w2. And XXXX XXXX pay 1099. 
All paystuff submitted by email to him. 
Even my son pay stuff. 

I haven received the declined loan letter. 

Just a phone call by him saying he only use my base salary he can't use 1099. 
And he just called me today again XXXX XX/XX/XXXX at XXXXXXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. 
I had putted XXXX in down-payment. Wich XXXXXXXX XXXX refunded to me.he also said I'll be getting the declined loan letter in 10 days. 

Second company I applied to is The XXXX XXXX of XXXX XXXX. 
I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. 

Yes I have been a victim of boycotting and racism.. 
XXXX XXXX license XXXX Loan number XXXX And XXXX XXXX XXXX she/her/hers Branch Manager XXXX # XXXX OfficeXXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with WF CRD SVC account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

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 2017-12-19
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for  verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u

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 2021-01-25
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:
There are currently numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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