BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I submitted an application to Refinance an existing mortgage that was under my fiancs name, ( he passed a away so I needed to assume the loan ). Every single contact I received from them requesting Documents or information was answered in a timely manner with accurate and requested information. I received a conditional approval at 2.5 % on XX/XX/XXXX. I contacted my processor and various times to make sure I understood what was needed. I submitted all requested documents. My mortgage payments for XXXX and XXXX were on auto draft thru the same bank. On XX/XX/2021 I called my processor because I had not heard from anyone. I was then informed that my loan was canceled at my request on XX/XX/2021. I never received a call from Navy Federal, I have no record of any call in my phone records or emails. They stated that I requested the loan cancelation due to not being able to make the monthly payment for XXXX. My Loan payment was set on auto draft from the same institution. The payment cleared the same day as every month. I signed a form with date of auto draft request ( Page 3 of the Initial Loan Packet, Easy Pay Authorization. They proceeded to tell me that I would have to re apply for the loan and my 2.5 % would not be held. This is a complete violation of my security with Navy Federal. I never spoke with anyone regarding cancelation of the mortgage refinance, my cellphone should be the only contact number they have on file. There are no missed calls or accepted calls from Navy Federal on XX/XX/2021. I do not know who they spoke with and what verification process they had to move forward with that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was not aware that a medical collection was on my credit report until I apply for credit. I contacted the collection agency to no avail and learned it was a hospital debt that I paid. I contacted the hospital and they confirm the debt was paid. I again contacted the collection agency to follow up with the hospital and they refuse. I also requested a copy of the debt and the collection agency refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate.

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I responded to an advertisement that Bank of the West was to give totally free checking. I received several fee related charges like NSF, Transfer Fees, any Fee, didnt have something fee, too much this fee, so they closed the account and it wasnt over drafted from missing money, just all fees, then closed the account. It left me with a very bad mark with XXXX reporting agency. My XXXX report is trashed, all because of a free account. I also went to the hospital for 120 days for XXXX XXXX. ( XXXX can prove this ) Ill pass on California anything! Can I get help anywhere? Please?!

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

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 2017-09-08
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident. 

Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock. 

I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2019, I applied online through XXXX XXXX via XXXX for a Chase Freedom credit card, which immediately showed up in my XXXX credit file as a hard inquiry. More than a week later on XX/XX/2019, I received a reply from Chase in the form of a secure message through my online account with the merchant ( I have two existing credit cards with the merchant, a Chase Slate and Chase AARP credit card ) requesting that I phone in to verify that the application was submitted by me. I responded the same day with a secure message through my online account indicating that the application was indeed submitted by me, but chase repeatedly insisted that this would not suffice and that I would need to phone in. I indicated yesterday that since the request to verify my identity was made through my online account, it should also be possible to process my identity verification there, and that I wanted the hard inquiries Chase made to my credit files removed if this were not the case. Chase responded today via another secure message by once again requesting that I phone in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been a victim of transunion inquiry issues and I called them and they will not delete the incorrect inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: MoneyLion Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the 2nd straight month MoneyLion has reported my account as 30+ days late, last month MoneyLion admitted that they made a mistake and reported inaccurate information to both XXXX  and XXXX  credit bureaus and sent me emails/letters apologizing and stated it was corrected and both credit bureaus were also contacted and told as well, today XX/XX/2021 they once AGAIN reported inaccurate information to the same two credit bureaus ( XXXX  and XXXX  ) that my account was once again late. Furthermore, after last months inaccurate information was corrected I paid this months and next months payments in full ( to XX/XX/XXXX ) in hopes they wouldnt make this mistake again, unfortunately it didnt work and once again they have reported inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX my account was charged off and it was also charged off XXXX XXXX in XXXX and also XXXX XXXX of this year. I made payments caught up and was current as of XX/XX/XXXX XXXX XXXX XXXX never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: MO
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:
I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked EXPERIAN to place personal fraud statements on the account or send them to other credit bureaus.

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 2021-11-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Attempted to deposit a remittance from my cell phone provider to Chase. The bank teller informed me that she could not accept the remittance.. I spoke with a Chase customer service representative via phone call and she explained to me that i was indeed correct and Chase could and should accept the remittance. I then called my cell provider to assure i was handling the process correctly and they informed me that i was handling the process correctly. I then called Chase again, to explain the process before i attempted to visit a branch again. A customer service rep by the name of " XXXX XXXX '' told me that it is at Chase 's discretion on whether or not they accept remittance. I explained that according to CFR if the bank is FDIC ensures then you have to follow the Code Of Federal Regulations ... .i was then met with resistance and i was told that Chase does not have to follow Federal Law if their policy says they do not. Federal regulation is as follows 12 CFR 204.2 ( 1 ) Deposit means : ( iv ) Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CITIBANK, N.A.
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:
Opened checking and savings account with Citibank to receive their {$400.00} or {$500.00} Checking Offer ( " Checking Offer '' ). Requirements were to open joint checking/savings with a deposit of at least XXXX, keep this balance for at least 60 days, have a qualified direct deposit made for two consecutive months. 

Initial deposit was made through a wire on XX/XX/19 for XXXX into the checking account. Then moved XXXX to savings for a combined deposited amount of XXXX, also on XX/XX/19. The balance has been at XXXX since initial deposit with additional deposits each month. They did charge a fee by mistake on XX/XX/19 but refunded it on XX/XX/19 and stated this would not affect the promo, # XXXX. My biweekly ach paycheck was added on XX/XX/19 and has been deposited ever since. 

On XX/XX/2019 I received an email I was ineligible, stating The required deposit balances were not maintained during the offer period. I called Citi Bank the following day was said a case would have to be opened, I have not heard anything since.

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 2020-11-10
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Apply employment with XXXX. Hiring manager called me over the information they got in my background check. While discussing report she accused me of a crime I had NOT committed. So an additional report was made. In the end I was denied employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint on XXXX XXXX regarding freedom mortgage XXXX. Since taking over my account they have not properly performed the escrow analysis on my account with the schedule escrow timetable. I was told that my escrow analysis would be performed in XX/XX/XXXX. The original complaint that I filed with the CFPB states that they would also perform the analysis in XX/XX/XXXX. Freedom mortgage still has not complied. As a result Im paying more towards my escrow then I should instead of my principal. The last time they performed an escrow analysis was in XXXX of XXXX, which is again not the timetable for homes in Wisconsin. They continue to do my analysis on the date they took over my loan. Freedom continues to pay little regard to the large nominal difference in my payments for homeowners insurance. Then instead of paying me out for overpayment on my escrow they find ways to say Im short. This lender again isnt in compliance and isnt properly handling my account. Now that XXXX has passed im again requesting an escrow analysis be done on my loan outside of the schedule since they again didnt do as they promised.

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 2019-05-17
Company: ALLY FINANCIAL 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:
I have submitted a previous dispute ( XXXX ) and now have been advised by my attorney to enter this final dispute before I file a motion with the courts. 

Ive also attached a copy of the Law contract that clearly shows that I wasnt the Co-signer/Maker. This signer was a XXXX XXXX Only. 

This XXXX XXXX was sold in XX/XX/2012. The last payment was made by XXXX XX/XX/2012.

In the complaint filed above the Creditor attached a Third Party Guaranty, It was written by hand, listed no Vehicle Identification Number, and never disclosed.

This negligent reporting behavior by Ally has been detrimental to me personally since the destruction of my property in Hurricane Irma, Ive been denied credit and/or have incurred higher interest rates due to the inaccurate reporting.

Ive made many attempts to clear this from my personal credit file but Ally continues to manipulate the last payment date, account number, and the amount by {$1.00}, I have 24 months of documentation from all 3 CRAs showing this abuse.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent 3 letters approx. ( XXXX ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, Transunion and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, XXXX and Transunion do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # 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 2021-07-15
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
It's been over 30 days and I have yet to receive a response.

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