BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
I purchase a case of beer from XXXX XXXX XXXX and do to health reasons I tried to return the unopened, not damaged case of beer several days later. The manager refused and I explain the reason for the return, he still refused and said there is no returns allowed. They was no sign stating that policy nor did the receipt state that. It is not state law in Delaware either. 
I disputed the charge with Bank of America, VISA. They declined the dispute and stated there was no error in billing. That wasn't even the dispute on the {$16.00} charge. Bank of America agreement states I can dispute such a charge.so Bank of America is in breach of agreement.with credit card holder.Claim # XXXX purchase on XX/XX/2019 and tried to return.

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 2019-01-09
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After falling for a loan modification scam and paying a company called XXXX XXXX, we have been working with a HUD housing counselor to try to prevent our foreclosure and get back on track with our mortgage. We have been trying to submit a loss mitigation packet with Freedom Mortgage and have been getting the run around. We submitted an application and documents on XX/XX/XXXX. When our counselor followed up on XX/XX/XXXX, she was given a list of additional documetns and was told by Freedom Mortgage that we did not sign the financial report, a form designed by Freedom Mortgage which does not have a borrower signature line or page. When our counselor called back, the representative from Freedom Mortgage told our counselor that there is not a signature page and that we should sign the bottom of every page of the application. We submitted all of the additional documents on XX/XX/XXXX. When our counselor followed up again, she was given a different list of requested documents. They are now requesting new paystubs, which they did not request on XX/XX/XXXX, even though they had it noted in their system at that time. They also now would like a signed financial report and stated that they accidentally mislabeled the signature line as the contributor signature and that we should have known somehow to sign that even though we are both borrowers and not contributors.

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 2020-12-01
Company: EQUIFAX, INC.
State: UT
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 have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage transferred to Loancare LLC on XX/XX/XXXX.  Attempted to make payment, but was told not to send one in ( check ) because it wo n't apply to my account. Gave me a new mortgage number from them and attempted to pay online. Does n't work. Called them ( XX/XX/XXXX ) and was told they have no record of me. Told me to wait another 30 days and call them back. Mortgage is due today ( XX/XX/XXXX ). I just wish to make my payment on time, with no fees with an company who actually has record of me. It 's a bit odd to me that they gave me an account number, but it 's not valid through 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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There's 3 unknown addresses on my credit file inwhich are not mine. Please send my attached id for my correct and only address.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts. 

1 ) XXXX/ XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 )  XXXX {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX {$610.00} 8 ) XXXX XXXX {$41.00} 9 ) XXXX XXXX {$40.00} 10 ) XXXX XXXX  {$20.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX last year XX/XX/XXXX. The vehicle was financed through Capital One and totaled this year in XX/XX/XXXX. Capital one only recently started sending me paper statements the same month the vehicle was totaled and I noted and informed XXXX XXXX co representative XXXX XXXX that Capital one has the wrong vehicle. I reached out to XXXX corporate office, the title division and asked that they contact Capital one and send them what they were asking for to make the correction and she did. I was able to verify this through XXXX XXXX an account XXXX at Capital One who after aprox 4 weeks have not been able to updated records from the back office and the only thing he can do is to continue to send them emails. Capital one has switched my infinity to a XXXX XXXX XXXX that I have never owned. I am XXXX XXXX XXXX, a single home owner and feel that I am being abused and taken advantage of. XXXX XXXX frequently states theres something wrong with the collateral which makes no sense to me nor do I understand any of the delay since they have been provided the with proper records and title information, why are they unable to correct the records so that the insurance company can pay off the infinity so that I can move forward to other problems that many people have today. The stress and frustration is too much, please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
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: Information belongs to someone else

Complaint:
I have been disputing a charge off account with XXXX  and Experian for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?

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 2021-06-09
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: Old information reappears or never goes away

Complaint:
My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Score Decrease Your FICO Score has decreased by 3 points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX XXXX XXXX XXXX What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes Experian Credit Monitoring & Alerts.

What is Experian Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

Dr. 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 2018-07-25
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: U.S. BANCORP
State: NV
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 US BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must 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 2017-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
This account is showing as late on the reporting. It is incorrect information. 


XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History

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 2017-11-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on XX/XX/17 i started this card with best buy to buy Appliances the cashier recommended it as i wanted stainless appliances but didn't have all the money for that as stainless was XXXX more so i tried and was approved on the spot for XXXX and the purchase was for XXXX and she talked about signing it up as a Zero APR for 18 months which was just a option on the touch pad during the checkout process and i clicked for that option and hit ok and it wanted me to confirm my address and info after confirming that was it paid and done, problem with this is 18 months later i was unable to pay the bill in full and so they back charged me for the APR from date of purchase which was 26.49 % precent and a total of {$2400.00}, Now had the employee that processed my order gave me a warning or info that FYI if not paid in full by the XX/XX/XXXX month you will be back charged i would have never done the program and just stuck with the other appliances i could have paid in full that day, so after contacting best buy partner Citi bank which is who handles cards for best buy they wouldn't help me with the charge and was not understanding at all they thought it wasn't fair how i was handled by best buy and recommend i report this which i was amazed that the credit card company would tell me to do this report and i was also signed up for paperless billing so had never caught this on my statement as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I did not receive a refund from Sears that I bought in XX/XX/XXXX and returned on XX/XX/2018. When I called them on XX/XX/XXXX after I found out they didn't credit my refund on my sears credit card. They said they will refund to me in 5 to 7 days. Today is XX/XX/XXXX and they still did not refund to me. The company now refuse to refund to me due to the time that is passed over 30 days which was not my fault. I am attaching the copies of letters and receipt.

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 2019-05-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been making payments on my loan since I graduated. My loan was sold off to Navient and I have been having issues ever since. Not a dime of my money has gone towards my principle balance and I have not made a late payment. Something needs to be done. I don't want to die with this loan. Please help or advise on what my options are or how you can help. At this point I wish I would have never went to school. I don't what to do. At first they said my loan would be forgiven after 25 years as long as I never made a late payment. Well I called again and I keep getting a different story. The 2nd time they said it would be forgiven after 20 years. I have been talking to a lot of people about this and they say that forgiveness it not true. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Reporting company used your report improperly

Complaint:
I XXXX accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written

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 2019-10-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
TMy access to my account through the online customer portal is showing several payments, disbursements, and transactions on dates that dont make logical sense. There are 12 transaction line items in XXXX alone. 
Additional concerns are : My principal isnt decreasing at a normal rate Shellpoint has not replied regarding my appraisal request to eliminate PMI from my loan ; although, shellpoint took payment over a month ago Shellpoint removed late payments from my credit report when I participated in a Hurricane Irma forbearance plan, then issued a letter to me stating the payments were being taken away, and then reapplied the late payments to my credit report. Why were the payments reapplied to my credit report? 
My loan was modified earlier in 2019 due to my participation in the Hurricane Irma Forbearance plan. Docs were completed by a Shellpoint notary representative for the modification to be completed. I received word the modification was completed and my loan was in good standing. Just this week, I just received new modification documents. 
I was promised all of my payments from the last two years that have not been applied to my loan would be applied immediately after I completed the modification. These payments still have not been applied to my loan. 

When will all of this be addressed. Ive been dealing with this for over a year. Please help me get this fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Paypal Credit charged me {$6.00} in 2014 and I just got a letter from a collection agency for a bill of {$61.00}. I had never applied for Pay pal credit. I called Paypal and they could not even provide me with the information that I did use the service. They said I probably hit the wrong button by mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NJ
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 is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore Experian needs to remove the bankruptcy from my 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 2018-12-14
Company: EdFinancial Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial has kept me in " prepaid status '' for at least two years. I have called and written in requesting that payments be allocated to highest interest loan, interest, then principal. I have also requested that status not be advanced. This company claims they can not accommodate either request. I should be eligible for Public Service Forgiveness however Edfinancial 's practices have now damaged my ability to participate in this program. Edfinancials service providers refused to assist me in joining an income driven or standard loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: TX
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 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the 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 explanation