BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
I had a checking account with a bank. 

For 2 months they charged me {$11.00} a month for not having direct deposit enrolled with this account. 

For those two months I had a positive account balance and over {$300.00} in the account. 

The cashier was pleasant but only tried to sell me on another product and would not reverse the charges. 

I closed my account and do business elsewhere. 

During this time of mass unemployment, lets say I was XXXX and my direct deposit was terminated. I would be hit with unemployment and their fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Avadyne Health Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had surgery at XXXX XXXX XXXX. Prior to surgery I met with the financial department and paid the entire amount that was listed as my responsibility. Now four years later I am receiving calls from HR Accounts. I have disputed that I owe this money and have requested that the hospital explain how I am responsible for an additional {$660.00}. I have call the hospital finance office several times and no one returns my call. I have called HR accounts several time and they keep saying they are sending our the verification or sent out the verification. I have not received proof that i owe this debt however this account is listed as a collection on my credit report causing blemish on my otherwise exceptional credit history. I would like this account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit adjusters has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written National Credit adjusters on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. National Credit adjusters has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section 616 National Credit adjusters also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and National Credit adjusters has again used another stall tactic in order to circumvent the law. National Credit adjusters has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by National Credit adjusters to willfully break the law. National Credit adjusters has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that National Credit adjusters send this document from their address showing proof that National Credit adjusters has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. National Credit adjusters actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: PENTAGON FEDERAL CREDIT UNION
State: GU
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed Chapter XXXX in XXXX was granted an Order of Discharge in XX/XX/XXXX. While seeking Judgement for my Bankruptcy I reaffirmed my auto and personal loans with, Pentagon Federal credit union. I have made every payment to both on time, never missing a single payment. I currently have a Checking and Savings Account, I make a monthly deposit from {$850.00} - {$1200.00} to my checking account to cover my auto and personal loans and my life insurance payment. 
On XX/XX/XXXX At the end of the year XXXX party, I was recognized for 25 years of service and received a nice plaque and a check for {$2500.00}. On Monday the XX/XX/XXXX I deposited said check into my Penfed checking account. On Tuesday the XX/XX/XXXX, I went to the credit union to withdraw. I was then told that my Checking Account was BLOCKED as of the XX/XX/XXXX,  and they couldn't let me have my funds! I asked why and they stated The auto loan was a Bankruptcy and my personal loan was a charge off. I stated that was incorrect both accounts were in Chapter XXXX but I also reaffirmed both loans and have been making on-time payments. I've gone back several times hoping they realized they just can't hold someone's money from them. But no, I was wrong so I went back today todo an Inquiry got my Balance Then I tried to withdraw and was told on the receipt " the transaction could not be completed. No XXXX for my wife and kids this year as well as No NEW YEARS. I'm trying to rebuild my credit and recover from filing chapter XXXX. I chose to open an account with the Pentagon Federal credit union because they know the Rules. Now I choose to remove my money and they will NOT allow me to! I will be meeting with my Bankruptcy Attorney next week. Thanks for the awesome XXXX and new years 25 years of service will get you. {$0000.00}

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 2020-01-02
Company: Experian Information Solutions Inc.
State: SC
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:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit 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 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit 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 2021-02-02
Company: Shellpoint Partners, 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:
Shellpoint Mortgage Service improperly assumed my loan from XXXX and failed to comply with a XXXX agreement. This resulted in overcharged escrow. After of several months of dispute, SMS corrected the issue and worked with credit bureaus to correct my mortgage payment history. However, they added an invalid derogatory remark in a prior month with XXXX only, after the case hade been settled. I believe this was retaliatory action against me. Furthermore, they know I am trying to refinance as I have stated it, amd they know this remark impacts soft credit checks. This affecting my ability to obtain best refinance rates and will result in financial disadvantage if not corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to New Rez LLc on XX/XX/20, The amount due on the loan was equal to the amount held in escrow. I am attempting to pay off the loan and am unable to make such arrangement due to New Rez LLC not being fully prepared to completed the servicing of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: SUN FINANCE COMPANY, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I tried to apply for a new mobile home. I was denied due to a old debt with XXXX  XXXX from XX/XX/XXXX for {$3500.00}. They report it again in XX/XX/XXXX..I was told that was illegal..I filed bankruptcy in XX/XX/XXXX. My application for a mobile home was denied in XX/XX/XXXX for a new place. My debt with XXXX  XXXX was put in my bankruptcy. XXXX   XXXX also said it showed it was placed in my bankruptcy but I need them to please remove it from my credit check.. its the only thing thats showing on my background and keeping me from trying to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: MD
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 submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied Equifax with 2 pieces of additional and relevant information of which Equifax chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have credit monitoring through XXXX XXXX and XXXX XXXX. I was notified of a new inquiry on my on my Equifax report for XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX, for a XX/XX/XXXX credit card. I contacted Equifax to dispute the inquiry as I did not apply  for a XX/XX/XXXX credit card or authorize the inquiry. Equifax investigated the inquiry and decided that the inquiry was factual. I also contacted Target and information used on the application were both old and false. I am unhappy with the decision made my Equifax to leave the inquiry on my report because I dont believe the investigation could have been that thorough if they couldnt decipher between current and accurate information and old information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion and XXXX  XXXX reporting to third party site " opt-out of all 3rd party vendors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has refused to supply proof of investigation of a fraudulent account XXXX XXXX services Acct # XXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Transunion on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Transunion is required to supply proof and method of their investigation. Transunion has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach our before suing under section 616 Transunion also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Transunion has again used another stall tactic in order to circumvent the law. Transunion has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by Transunion to willfully break the law. Transunion has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that Tranunion send this document from their address showing proof that Transunion has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. Transunion actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.

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 2020-01-02
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had contacted M & T Bank back in XXXX / XX/XX/2019 that I was selling my home. My home sold on XX/XX/2019 where the proceeds to " PAY OFF '' M & T bank were wired the same day of XX/XX/2019. M & T Bank did not update their records and website to reflect that the mortgage I had was PAID IN FULL, and started Foreclosure proceedings on XX/XX/2019. To DATE, the records are not updated, correct, or have the correct amount PAID IN FULL of the mortgage account I had. 
I have written M & T bank Certified letters and to date this bank stills respond back incorrectly as to the facts and amount of the balance owed.

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 2019-09-24
Company: JPMORGAN CHASE & CO.
State: FL
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:
I have been a Chase customer for approximately 5 years. I had a checking, savings, business account, custodial account and one credit card. The slate credit card did not offer the benefits the other cards offered and they would not lower the interest rate. I have never been late on a payment and recently paid the card off in full. My payment history with ALL my accounts is 100 %. My utilization was low. I was approved for the Southwest Airlines card and freedom card which would have allowed me to close the higher interest cards I used to build credit. I will be traveling in the future and the Freedom card offered 0 interest and rewards the Southwest card offered airline miles. 2 days after activating my cards and meeting the limit Chase encourages its customer to spend to get the rewards offered, ALL 3 of the cards were closed including the slate card which I have had since 2017 when my credit was not as good as it is now. There was no prior notice and this will negatively impact the credit I have worked so hard to build over the past several years. What changed in 2 weeks time? Why was I approved and then shut down as soon as I activated my card and made a charge. If anything they should have denied my application and then I would have just had an inquiry not 3 closed accounts. I have made arrangements to pay each card in full by the due date. I even asked them to close my slate and lower my limit. They would not budge on the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My former company failed to provide me with options when my husband lost his income due to work injury and later on job loss. This put us in a financial bind where I was told I could not get deferred payments or forbearance. All that eventually led to me being defaulted on my loans. I was sent to yet another company where I had payments taken directly from my checking to rehabilitate my loans. All went well and a year later I was out of default.

That leads me to my current situation with Navient. I received an email from them stating they were my new loan service provider. And I should expect someone to contact me soon.

That was in XX/XX/2017 I waited a couple weeks finally calling them myself. I found out the day I called them that my first payment of {$1200.00} was due that very day. Not having {$1200.00} just lying around, I asked what the grace period was and was not given a direct answer. I told them my husband 's income, but did not go through the income based repayment options. After stating what

his income was she said it dropped it by about {$100.00}. I stated there was no way I could pay over {$1000.00} a month. But I was wondering what my other options were. I was never given the opportunity to see if I qualified for IBR or and other kind of reduction in payments. I had tried to do all this via phone calls. Multiple times. I've tried to log into my account and request a temporary forbearance and everytime I begin the process I am logged out. I've tried to do the same but with IBR and again, I get logged out of my account. So now, I am past due on my account. Because I am past due, Navient is asking for all payments to be brought current immediately before I can explore any other options. I will keep calling until I can hopefully find a decent person to help reduce my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This problem began last year towards the end of XXXX. I saw my score drop almost XXXX points & knew something was wrong. Our mortgage company had falsely reported us missing a payment, so now I had an account in delinquency & for the first time ever : less than 100 % payment history. Immediately, we tried disputing this bc we knew it was incorrect. We got married last year, earlier in that same month, and we were actually ahead on our mortgage cause we paid more than we needed to that month or the month before ( just to be safe, since weddings can get expensive ). Neither the credit reporting agencies or our mortgage company have taken this error off my report since it happened, even though we have confirmed with our mortgage company that we didn't miss any payments & that our account is up to date. They've made this mistake multiple times since then, so much so, it now shows up as 3 missed/late payments. Since this happened last year, I've lost upwards of $ XXXX in credit card limits bc they would check my report, see the " delinquency '' and lower my limit, then my score would lower bc my utilization was higher ( due to the lower limit ) & when they'd check again routinely, they'd see lower score + " delinquency '' still & lower my limit AGAIN. I've been stuck in the financially debilitating cycle for over a year now & disputed time & time again thru XXXX XXXX  with transunion & XXXX no one will correct the errors. We have spoken to our mortgage company so many times now about this issue & I still can not understand why they won't correct their own error since our account is in good standing/we 're ahead on our loan/etc.

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