BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have submitted numerous forms to transjunior regarding identity theft XXXX and unotherwise heart increase on my credit report I have also notified XXXX and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle TransUnion refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my transjunior I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and XXXX but I have 35 on TransUnion which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such information

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 2023-11-15
Company: Ocwen Financial Corporation
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is yet another attempt by me to get the information corrected by this company. the company has provided the credit reporting agencies the wrong information. which in turn stopped my wife and I from gaining the equity in our home. They advised that through their research they never spoke with or had any contact with me regarding a forbearance. I clearly reached out to them in XXXX of XXXX. They responded in XXXX of XXXX. Several months later. Instead of offering me a forbearance they sent me and my wife a modification. Why we would take a modification when the rest of the nation under the cares act was provided a forbearance ; shows the type of bad intent and business they continue to do and provide. I was XXXX XXXX XXXX XXXX and thought we were getting a forbearance. We did not and have found that the company after sending us a letter stating that during these times, they would not report negative history and went against everything that they stated in the correspondence. A correspondence that printed on their letter head is legally binding. Also, we have now found that our balance use to be XXXX is now XXXX on their website. This is a clear violation of our rights. This company has been terrible. This issue even goes all the way back to XXXX when they were Ocwen and cancelled over XXXX of debt through a 1099C. In XXXX they cancelled the debt for the amount of just over XXXX on another 1099C form. We borrowed XXXX and they ended up cancelling over XXXX and getting credit for it from the IRS. ( info included ) We checked with the IRS during that time and found that they indeed did get credit for the debt cancellation. How are they allowed to get credit then go after the consumer? I own my own company and can't write off any amount and still go after someone who owes me for the original amount! All we want is to have the amount and credit reporting corrected. If not, we will be forced to join the many class action lawsuits against them. This company should not be allowed to practice business at all. The little man consumer is being crushed by companies like these as they are allowed to rip us off through bad/illegal business practices!

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 2017-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
I have a XXXX BOA card. On the statement, it states the payment due date is XXXX/XXXX/XXXX. It also states if the payment is made after the due date. it is subject to a late fee.No where on the statement does it state it has to be applied prior to XXXX eastern standard time. 

On XXXX/XXXX/XXXX, I logged in online to pay off my balance. It was around XXXX in the evening, central time. First of all, BOA 's system would not allow for the payment to schedule on the XXXX. Rather, it scheduled it for the XXXX. Furthermore, their website instructs cardholders following the scheduled payment that the late fee will be refunded only if it is paid prior to XXXX eastern standard time. Legally, they should be required to state this time on the statement. I have screen prints of the recorded time the payment was scheduled for your records which clearly shows it was paid on the XXXX. 

I am requesting BOA refund the late fee to my account. I am attaching all the screen prints and the statement for your records.

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 2023-11-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: Navient Solutions, 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 status incorrect

Complaint:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer Navient & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX XXXX, for the last two years my account has always been paid on time no late payment or issues on my end. However, XXXX XXXX XXXX, has closed my account inadvertently creating a problem on my credit reports an account as being stolen, when all I asked for was a replacement card. Now XXXX XXXX XXXX, after reporting my identity was stolen and used and being a victim of identity theft they immediately dropped my limit from {$4000.00} to {$360.00} creating a credit usage of 98 % literally overnight. I had to move all my accounts to another bank and waiting for my direct deposit to be transitioned. I asked for more time and they now keep repeatedly contacting me on a auto dialer. MY CREDIT REPORTS will reflect changes for a few months as I resolve the identity theft as other banks change out my cards and account information.

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 2023-11-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in XX/XX/2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX   services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in XX/XX/2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this 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 2022-10-31
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
The if the problem and remove the unauthorized information from my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a letter dated XX/XX/2022 from Bank of America stating that on XX/XX/2022 it was reported that a fraudulent transaction totaling {$1500.00} from another person ( whom I do not know or ever heard of ) was credited to my account. 

There is no record of this {$1500.00} transaction being credited to my account ( from another person ) on my Bank of America app and there is no further information provided by Bank of America about this transaction. 

The bank then deducted {$1500.00} on XX/XX/2022 from my account. The account had a balance of {$670.00} at the time, which brought the balance to - {$820.00}. The account is now frozen. 

The letter ends with " We apologize for any inconvenient this may have caused. There is nothing you need to do at this time. '' Meanwhile, I have lost {$1500.00} due to a fraudulent transaction and I have received no further information about this from the 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 monetary relief
Consumer complaint received 2022-09-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I first closed my account in early 2021 in which they sent me a check for the funds that were in there. The check was for higher amount that most online banks wont take sothe check expired. I have sent the bank my drivers license, social security and a copy of the original check but they still refuse to give me a replacement. That should be more than enough to verify my identity and that the original check was never cashed but i still dont have a replacement

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 2023-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account is closed and need to be removed

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 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One. 

Capital One is intentionally slandering my credit by placing false fraudulent charge off status date information onto my credit files, as well as false information regarding balance owed information. 

I am attaching a copy of my most recent credit report, and the credit report shows, that Capital One, is falsely claiming that I had a credit card account with them that they charged off in XXXX of XXXX, and that is false fraudulent information. 

I have had no dealings with Capital One since around XXXX of XXXX, and all of the statistical payment data that they have placed onto my credit files is inaccurate, fraudulent, false, and made up. 

Capital One has doctored up their statistical data on my credit files, so as to make it seem as though I had dealings with them in XXXX, as well as XXXX. 

On my credit file, under comments, where they are claiming that this information has been investigated, and is complete, that is a lie, if it were investigated and complete, this false fraudulent debt would not be on my credit files. 

Capital One is also claiming that I owed a past due balance to them in XXXX of XXXX, in the amount of {$570.00}, and all of that is false information. 

I am disputing the {$570.00} that Capital One is claiming that I owe to them, I did not, and do not owe them that money. 

Capital One has maliciously ran up this credit card account with fraudulent fees, and charges, and I want all of this false information removed from all of my credit files, and I would like hard copy proof on their letterhead that, that has been done. 

I want Capital One to cease and desist from contacting, and harassing me. I want all of my credit files corrected, and if they have passed on this false information to any collectors, I want that information removed from my credit files, as well. 

Any communication, Capital One can communicate with the CFPB, and the CFPB can contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: OR
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 would like to report all 3 credit reporting agencies of which are Experian, XXXX, and XXXX, for violating my rights as a consumer under the law 15 U.S. Code 1681- Congressional findings and statement of purpose. I disputed that the accounts XXXX, XXXX, XXXX, XXXX, were all inaccurate and I wish for that information to be verified via XXXX a credit builder app I paid for to dispute these accounts. The agencies I named above verified the information as correct and denied me my right to remove them from my account. The information they verified included dates that are inaccurate, or reported multiple different dates among all 3 agencies. Also another account says they received a 1099c and still have a balance owed for me to pay which violates the law and is tax fraud. And another instance is huge discrepancies between the 3 credit bureaus, they all have differences on the same account so I believe I am owed compensation as these account made it impossible for me to get a Credit extended to me for an emergency expense. In result I am in danger of losing my home because I missed payments on my mortgage. I would like them to remove the accounts, and pay me the restitution I deserve which is XXXX for each report being reported inaccurately and the balance of my mortgage thats past due now since they would not extend me credit based upon the inaccurate information they had reported.

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 2019-12-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX2016 I purchase a home in XXXX Florida. before the the purchase We were pre approve for {$320000.00} and we bought the home for {$270000.00}. Bank of America did not approve the loan till two hours before the closing to my surprise when the closing agent was going over the closing cost, Bank of America charge Me {$3000.00} to be added to my loan and a monthly fee to be included with my monthly payment of {$110.00} for ten years ; none of this was inform to me till the closing. I put down {$100.00}, 000 which is over 35 % and I was not expecting any thing like this.I have a previews short sale 4 years ago and they new about it ' and pre approve me for the loan. I call Bank of America to tell me how much more I need to put down to get this fee out of my payment and they have no give me and answer yet, I am willing to paid up to 50 % of the loan to get this fee off my payment ; please help ' Thanks

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