BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-08
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I had a mortgage with MB Financial from XX/XX/XXXX-XX/XX/XXXX. During that time, they erroneously reported my mortgage as late twice. The first occasion was 60 days late in XXXX and XXXX of XXXX. I have always had auto bill pay, and have record of all on time payments. During the time period in question, I was notified halfway through XXXX that my payment amount had changed by {$12.00}. After numerous calls to the company, they were unable to confirm why that was. A week later I received a notice that I had a late fee due to non-payment. They told me that because the payment was short that {$12.00}, the deducted the entirety of my mortgage from my escrow account, and did not apply any of it to my principal. While I found this ridiculous, on XX/XX/XXXX ( within 30 days ) I paid the entirety plus fees. I was, thus, never late. I have all statements to prove as such. I have reported numerous times and it remains on my credit. 

Additionally, in XXXX of XXXX I was amidst a refinance which I thought would be done by the XXXX, leaving me with no payment. When it took longer, I paid it mid month ( the XXXX ). Nonetheless, they reported me 30 days late. I called them immediately when I saw this on my credit, and they assured me it was an error and would remove. I have two letters stating as such. They assured me they reported this to every agency, but that they did not receive a response. 

In XXXX, they were purchased by another bank. This bank has also notified all credit reporting agencies that I was not late in EITHER instance, however as of XX/XX/XXXX only XXXX had responded. 

I am requesting that this be investigated. I have proof that all payments were on time, and have letters from my original bank stating that this was in error and that they had notified reporting agencies. I have submitted this documentation every time I dispute. XXXX never even opened my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX - XXXX XXXX {$1300.00} Transunion XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX - XXXX XXXX XXXX {$870.00} Transunion - XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, Transunion says the account was charged off XX/XX/XXXX after being late for 90 days.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 company reported to both TransUnion and XXXX  that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.

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 2021-07-14
Company: MIDFIRST BANK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Midland Mortgage XXXX. XXXX  XXXX Oklahoma XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX Mortgage Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, 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 explanation
Consumer complaint received 2019-05-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/19 charge for {$29.00} for 2 size 2xl womens flannel shirts thru sears.com.Notified sears MasterCard I never got them.They reversed charge sent a letter received XX/XX/19 the dispute settled & I didn't owe anything.The bill I got XX/XX/19 showed XXXX owing.This month XX/XX/19 I get another letter stating since the merchandise wasn't returned they were charging {$29.00} again & a bill from Sears MasterCard received XX/XX/19 charged {$29.00} again with the date of XX/XX/19 on it.The closing date of statement is XX/XX/19 3 days after 90 days to complete a dispute.

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 2020-06-29
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:
Navient account # XXXX is showing a balance of {$32000.00} & continues to be reported as a charge off every month, but it was included in chapter XXXX bankruptcy in XX/XX/2019 & XXXX on XX/XX/2019. Account should have XXXX balance and no negative payment reporting after XX/XX/2019. I have disputed with the company and with all 3 bureaus and I got back from you that the company " Verified as accurate '', but it IS NOT. See the public record that you have on my report, as well as the attached documents from bankruptcy court. My next step is to sue you if this is not resolved this time around. You have all of the information necessary to remove this error. Please remove it promptly.

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 2020-05-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit  Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: NV
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 company reported to both XXXX  and XXXX  that my payments were late ' twice by 30 days for XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.

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 2021-07-14
Company: EQUIFAX, INC.
State: NV
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 company reported to both XXXX  and Equifax that my payments were late ' twice by 30 days for XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an individual checking at Wells Fargo in XX/XX/XXXX. The account has remained the same but it's number has changed one a few occasions and as mandated by the bank when unauthorized transactions were reported. 

On the XX/XX/XXXX Statement, a XX/XX/XXXX XXXX Payment to me from my girlfriend is reported as just that, a XXXX payment. However, a XX/XX/XXXX XXXX payment to me from my father is reported as a Transfer, suggesting that my father has at least transfer access to my account which should not be case, My Wells Fargo account is wholly owned by me and I am the only authorized person to access the account. 

I, XXXX XXXX, have no valid Financial Power of Attorney outstanding, and with the exception of XXXX XXXX XXXX XXXX, have no representatives, agents or guardians and have no reason to being a XXXX XXXX XXXX of XXXX University and deemed competent by the State as defendant in a Superior Court Trial in XXXX XXXX, GA in XX/XX/XXXX. No one other than XXXX XXXX is authorized for debit transactions of myself or my XXXX, XXXX XXXX XXXX XXXX with positive verification of identity required with additional biometric verification to U.S. Federal Government records necessary for transactions valued over {$50000.00} ( XXXX XXXX US Dollars ).

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 2018-11-28
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/XXXX, I deposited a check denominated in British  Pounds in my Chase Bank Checking account for the amount of GBP XXXX. I was advised that it would take 4-6 weeks to collect the funds from the foreign bank, and that the currency rate would be slightly lower than what I saw as the " spot rate '' in the newspaper. On XX/XX/XXXX, the spot rate for USD per GBP was {$1.00} per GBP XXXX, making the check worth {$27000.00} at the point it was deposited. 

On XX/XX/XXXX, I received a deposit in my bank account for the amount of {$19000.00}. This implies a USD per GBP exchange rate of {$1.00} per GBP XXXX. This is 27 % below the spot rate on the date of original deposit, and 23 % below the spot rate on XX/XX/XXXX. 

While I understand that there are fees and reasonable variations in exchange rates to be expected in a transaction like this, these are clearly egregious, taking full advantage of a loyal customer to the Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My wife passed in XX/XX/XXXX.. Her credit debts were sent to the home for pmt and I notified them of her passing and sent a copy of the death certificate. All of the debts were that of my wife ; I never signed an application for joint access. Subsequently, EVERY company has shifted the debt to my name as though I am responsible although I told them I knew nothing of these. I submitted an investigation on XX/XX/XXXX to XXXX to dispute these and have them removed. In addition, XXXX is reporting me deceased which prevents me from applying for any new credit ie a home equity line. Two months have passed, no corrections have been made. Debts reported as of XX/XX/XXXX/not mine are as follows : XXXX  {$2400.00}, Capital one XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, dpt ed/XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, in summary 12 revol debts at XXXX total, 2 installments at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is {$500.00} in my checking account with Navy Federal Credit Union.When I attempted to withdraw {$500.00} this morning at an ATM machine the transaction was declined.It would not disburse the money, Said account was " restricted '' .Same thing at a second ATM machine.I called the Credit Union and was told my account was frozen and I could not get the money out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX around XXXX XXXX I got a call from a private number that claimed they were with XXXX XXXX and could not give me any information other than a case number ( XXXX ) and a phone number to call regarding that case number ( XXXX ). I called the number which belongs to what they claim is a debt collection company calling for a payday loan from XXXX with Cash Central called XXXX XXXX, they told me I was going to be taken to court and would have to pay {$1400.00} unless I wanted to take care of it over the phone with them which I could only do by providing a card number with them right at that moment ( they also mentioned they only take Visa or master ). At that point I told them I would have to call them back. I did some fact checking and called consumer finance later that evening. They do not have a valid website anywhere and the number seems to come up as scam on XXXX. I called them back today ( XX/XX/XXXX ) to ask for a physical address which they could not provide due to child protective services cases they apparently provide, and I also asked for a professional licensing number which at first they said I had to speak to a supervisor for that number, out me on a brief hold, then came back and claimed they also couldn't provide that number unless I had an attorney present or once I was already in court with them. At that point I told them I was not comfortable giving them information and they told me they would see me in court. The apparent employee I spoke to said her name was XXXX XXXX on XX/XX/XXXX when I called back today ( XX/XX/XXXX ) they first acted like they had no idea who that employee was, put me on a brief hold, then said she had stepped out and wasn't available to speak at the moment. I then called Cash Central, asked  who they had sent the debt to, they gave me the name and the number to the debt collection company they work with ( which is XXXX XXXX ) and mentioned they had never heard of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Attempted wire transfers to 2 clients who were Bank of America account holders. Wire transfer was rejected by BOA. BOA returned wired money less {$45.00} fee for each attempted wire transfer. I did not agree to this fee and am not a BOA account holder and have no deposit agreement with it.

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 2018-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called called carrington mortgage regarding my escrow refund that had been returned by my bank. I incurred various bank fee because this check had been cashed the week prior. I was told this was a bank error. Then I was told It would have to be researched after I provided proof of the returned checks. I went back and forth with carrington for over a week. They told me it was okay to redeposit the check and it was returned again and I have incurred more fees.

Company response to consumer: Closed with explanation