BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband and I have been significantly impacted by COVID-19 and requested for this creditor to assist us during our financial hardship. On XX/XX/XXXX, my husband and I spoke with XXXX, a Senior CSR and requested assistance. She was gracious and waived my minimum payment for XXXX however, little did I know that this would adversely affect my account and credit score. Furthermore, no where does the creditor 's website inform consumers that if they choose to have credit limit purchases approved, that once they go over their credit limit, it will be reported to the credit bureaus and decrease your credit score. I have recently disputed this with the credit bureaus as well. On XX/XX/XXXX, I paid {$50.00} hoping that it would cover the interest rate. On XXXX, the interest was applied which caused my account to go over the limit. On XXXX, I paid an additional {$40.00} to bring my account to a current status. Strangely enough, on my XXXX statement, my XXXX increased to 19.49 % and then dropped to 17.99 % on my XXXX statement. I previously requested to please have my interest rate reduced to assist me in paying off my balance but was refused. I have been a customer for over 4 years and have NEVER experienced any of these aforementioned issues like these before. My husband and I are disturbed that Capital One dropped the ball for so many customers that are still experiencing financial hardship. Needless to say, we both have opted out of allowing over the credit limit purchases to avoid further inconvenience to both our accounts. Moving forward, we will definitely continue to pay all of our accounts with Capital One but unfortunately, this matter has left a poor impression on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We applied for COVID relief assistance in approximately XXXX of 2020, Lakeview placed our mortgage in forbearance and explained the repayment options we would have when it came out of forbearance. I should have known early on we would have issues, each person we spoke to gave us a different answer on the length of the forbearance and what would happen when it came out. As soon as we were able to start making payments again we contacted Lakeview to request the account be taken out of forbearance and requested they send the necessary paperwork to move the 3 skipped payments to the end of the mortgage term. That was in XXXX and we still have not received the papers to sign!! We get a different story every time we contact them. Several people told us to start making payments again even though we were waiting for papers, which we did. Then several other people told us to stop making payments because this was messing up their calculations on what should be moved to the end and the payments were holding up the paperwork. So we stopped making payments again. We have been calling for weeks and they keep saying the paperwork has been processed but it's just sitting there, no one can tell us what the hold up is or why they have not sent the paperwork for signatures. We have spent countless hours on the phone with people who don't really know what they are talking about, this has been an extremely frustrating process. And in the meantime they have started sending delinquency notices and pre-forclosure letters! When we call to ask about the notices they tell us these notices go out automatically and just ignore them. However, we are becoming very concerned!! They also told us many many times this would not affect credit scores or credit reporting, however I do not think this is what is actually happening. I tried to refinance another loan and was denied because of the status of this loan that is being reported to my credit!

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 2022-02-17
Company: CNG FINANCIAL CORPORATION
State: AZ
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 opened an XXXX dispute for my XXXXCNG account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with XXXX for over 75 days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a XXXX balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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:
Experian continues to keep fraudulent details on my account even after I filed a dispute challenging it as fraud or erroneous. 

I am a XXXX XXXX XXXX enrolled in XXXX  school since XXXX. During this period, my student loan with the US Dept of Education has been in deferment. I noticed that there are 2 delinquent payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit report. I filed a dispute with Experian for these fraudulent reports yet they're still on my account. My student loan is current and has always been current ( please see attached documents ). It clearly shows that my last payment due was in XXXX for XXXX cents which has been corrected by XXXX. 

Please note : The letter from the Registrar 's Office of my school was shortened and redacted. I can provide the full unredacted letter upon request. This is a similar letter that I presented to Experian showing that my account was in deferment when I filed my dispute in XXXX. The regular monthly payment is XXXX because my loan is in deferment.

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: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 went to the Bank of America on XXXX and XXXX XXXX on XX/XX/XXXX to withdrawal funds for bills. The next day I noticed my withdrawal was different from others with a weird XXXX ID and number. I also noticed that same day, XX/XX/XXXX that a withdrawal of {$480.00} came out of my account and that there was a transaction represented by {$0.00} which was a balance check which I never do because I have the app to verify my funds. I thought it was strange and maybe I transferred some funds or something, did think to much of it at the time. Then a week later, I noticed another transaction while we were getting the kids ready for their online classes, that another transaction a withdrawal for {$780.00} was taken out following the same trend of balance review and then withdrawal. So on two occasions unauthorized withdrawals were taken from my checking account. On XX/XX/XXXX for {$480.00} and again on XX/XX/XXXX for {$780.00}. Each withdrawal was preceded by a balance review before being taken out of my checking account. When I first contacted the Bank of America fraud department it seemed like they understood I was a victim of fraudulent or suspicious activity. They lady helping me checked the locations of the withdrawals and they were in XXXX and XXXX, XXXX XXXX. I live in XXXX XXXX, CA which is 30 or more miles away and rarely live the house due to COVID-19. She placed my claim. I received a letter with a broad explanation that my claim was canceled. I called the fraud department back, and mentioned this. The lady that helped me the second time said I was being viewed as lying about my claim and that they were not paying me back my funds. Then proceeded to tell me they are to busy to verify claims if they dont sound reasonable enough. I explained to her there is no way I pulled that money. I havent been to XXXX  in years and my bank is less then 1 mile from my home. I have witnesses and class room XXXX  videos that place me at home during these withdrawals! I am on the verge of filing a police report against the bank, this will possible encourage them to check their cameras. I shouldnt have to go through this just because they are over whelmed with fraudulent activity! They are a national bank, they should have the proper systems in place to help and secure their users funds! I have witnesses and class room XXXX  videos that place me at home during these withdrawals!

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 2020-10-22
Company: Merchants' Credit Guide Company
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Original amount Hospital supplied to collections was for {$1200.00}, which was disputed for nearly a year with Hospital not providing documentation requested. Collections agency " Merchant '' began regular calls. A case was filed with the IL AG XX/XX/XXXX, and on XX/XX/XXXX the Hospital provided written notice that all charges/collections were dropped, with a {$0.00} balance. No further communications have occurred since resolving. 

Following resolution of the balance, I have received calls again from Merchant on following dates ( all XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each call rings once then is immediately directed to voice message, where Merchant informs they are collections and I need to call back. 

On XX/XX/XXXX, I finally called back and spoke with an individual. They looked up my number, informed me 3 people were listed ( I only recognized my name ). When they looked into my name, I was told that the calls must be an error on their part and my account has been resolved. I was also told they would ensure removal of me from the calling. 
As noted above, I received a call again XX/XX/XXXX which gives appearance nothing has changed in status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: EQUIFAX, 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. BANKRUPTCY XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus are reporting a credit card account to my consumer report and I never gave them written permission to furnish anything on my report. They bought my personal private information from XXXX XXXX  without my consent which is a violation of the Fair Debt Collection Practices Act 15 USC 1692 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.

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 2020-10-22
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, XXXX and Experian but they dont ' investigate about my problem beacuse I have not recieve any letters of them.

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 2020-10-22
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Greetings ; I sent 5 rounds of letters to the credit bureaus such as Equifax, XXXX  and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC bank held funds from my account on XX/XX/XXXX for a check dated XX/XX/XXXX. Spoke to two separate representatives who stated the check will not be paid until XX/XX/XXXX but there is nothing they can do currently to make funds available. As a result, I had to miss work and was charged an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Lendmark Financial Services
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: Investigation took more than 30 days

Complaint:
I have try several times to reach out to Lendmark and have got no reply. In XX/XX/2020 I sent a letter asking for proof of this is account and i have yet to receive anything. Four months and NOTHING this is crazy. I'm asking for a difficult letter here only want to know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank refused to return {$17.00} claiming that they recently refunded late fees. 
The recently refunded fees were THEIR FAULT - I even had to go through CFPB to fix my credit history because Synchrony Bank reported the account as delinquent to credit bureaus, even though it was THEIR FAULT for accumulating charges on my credit card because they forgot to take care of some charges. 

Moreover it is absolutely ridiculous that Synchrony Bank is allowed to charge {$17.00} fee on a {$17.00} purchase.

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 2020-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: DC
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 submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX XXXX Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX  : Account # [ XXXX ], XXXX XXXX : Account # [ XXXX XXXX, XXXX : Account # [ XXXX ], XXXX  XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : [ Account : 24 ] . Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.

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 2020-05-16
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Well Fargo bank is showing i am 30 days late on payments.

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