BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/20 I sent Synchrony bank my unemployment paperwork # XXXX from my employer via email at XXXX to cancel debit. XX/XX/20 this benefits request was closed because my employer said I was let go do to a medical reason. I was then advised to turn in XXXX forms to valid my employment discharge. I don't understand why if I experienced unemployment because of no fault of my own why I had to give this information? On XX/XX/20 I sent XXXX paperwork # XXXX XX/XX/20 it was closed because the doctors office put an invalidity date on the line that said date I was unable to perform normal activities. The date provided was XX/XX/20 and that was the date the I was referred to that doctor this was not the date I was unable to perform normal activities. I was given a medical XXXX  from my employer to see if I could do a position I was being transferred to and those results ended my employment with them that changed my ability to to perform normal activities mainly work! The doctors office sent supporting document for the XXXX on XX/XX/20 and XX/XX/20 when they resubmitted a correction.

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 2019-01-28
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I co-signed for a mortgage loan through Navy Federal Credit Union in XXXX of XXXX. My parents have occupied the home. I have never lived there. In XXXX of XXXX I and my husband filed for Chapter XXXX bankruptcy. My lawyer had me sign an affidavit to remove my name off of the mortgage with Navy Federal Credit Union. It was granted by the court in Bankruptcy Court of XXXX Al. My mother continued to make payments ( which were 20-25 days late at time though ) but the Navy Federal Credit Union told her that no payments would be applied until my bankruptcy was XXXX. My mother missed the XXXX payment and my bankruptcy XXXX on XX/XX/XXXX. Since she has made several payments as of XX/XX/XXXX ( I believe {$1500.00} total, but the cost went over {$2500.00} in late fees per Navy Federal Mortgage department. They started sending threatening letter after letter to me ( which I'm by law no longer on the mortgage ) my husband XXXX XXXX XXXX ( who filed for bankruptcy jointly with me, but was NEVER on said mortgage and NEVER had any involvement with it, letters were sent to our home address which is in no relation to a loan or any form with Navy Federal. They have been sending threatening letters to my father XXXX XXXX XXXX who is also NOT and never has been on the mortgage. I have all of the letters but I need to know who my mother ( official person on the loan ) myself ( removed from the loan ) and my husband XXXX XXXX XXXX ( never affiliated on this loan ) need to contact? Navy Federal Credit Union told my mother today ( when she made yet another payment ) they can contact my husband over the life of the loan because he is my spouse and I am on the loan ( which I am not and haven't been since XX/XX/XXXX ). I have all letters from Navy Federal Credit Union and payment confirmations. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I deposited a check into my checking account with US Bank. The check came from an " agent '' with XXXX. The " agent '', stated to deposit the check so then we could pay the photographer, stylist, etc. The " agent '' requested a payment of {$500.00} but I was only able to send {$200.00}, since that was the only available funds made by my bank. The next day, XX/XX/2019, the " agent '' requested {$1200.00} to the stylist. I sent both transactions using XXXX with US Bank. I just received a call from the Fraud Dept. with my bank telling me the check I deposited on Friday was fake. Since the check is fake, the check will be returned. And since the money is not valid, I would be responsible for covering the funds I transferred. That does not sit well with me because I legitimately thought the check was real and the " agent '' was pressuring us to pay the photographer. I contacted XXXX and they have zero fraud protection for their consumers. I requested to file a claim with US Bank but I was told I'm liable even though the check was fake. I am not sure what to do at this point. 

Any help is appreciated. 

Thank you, 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 2018-06-10
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I cqalled to settle debt and was on hold for multiple hours not only did they change the amount with every call transfer ( Which is not proper busniess pratice ) I EVENTUALLY settled and paid debt off XX/XX/18. I'm in the process of purchasing a home in the escrow final stage process. I need proof of payment .I have recorded all my phone conversations with the company based on the horrble consumer reviews reported by others. By law I'm entilted to proof of payment within 7 days. I have contacted multiple law firms regarding this matter and have picked XXXX XXXX to represent me if this compalin is not resloved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
All of a sudden on XX/XX/XXXX information from 1996 is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!

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 2017-12-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has wiped out my identity. It states they have no history or record of my identity or of my credit history, which is impossible. I have excellent standing credit that is currently being reported by XXXX and XXXX, and a long history of excellent credit ( including credit cards, checking and savings, retirement accounts, and student loan accounts all in good standing ). I was also a casualty of Equifax 's massive data breach from XX/XX/XXXX, yet they say I do not have any record. 

I first found this error on Thursday, XX/XX/XXXXas I am applying for a mortgage to purchase my first home. I have received all three credit reports in the past ( including Equifax ), and continue to use XXXX XXXX to monitor my credit, which also shows a current Equifax credit score. But Equifax has blocked any lender from pulling my credit report, and when I have called 5 separate times betweenXX/XX/XXXX and XXXX, the representatives all say they have no record of me. This is absolutely impossible. I 've been asked to fax a copy of my driver 's license and social security card, which I have, but the fax number does not even work properly - it keeps rejecting my fax but hanging up. I have also asked the representative for the contact information of their legal department and, on the recorded line, stated they " do not have a legal department ''. I am now trying to find old copies of an Equifax report to send as well. My identify and excellent credit are well documented and confirmed, and in current standing. There is no reason for this to be occurring other than the Equifax 's own incompetence and own security related negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: GA
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 XXXX and I have similar names and lived next door to XXXX another. Experian and XXXX both reported a bankruptcy that belonged to my father. I sent the information to the bureaus proving this fact with both my fathers ID and mine. XXXX  immediately corrected the issue Experian did not. Experian sent me a letter stating that they had verified with the issuing agency ( The court ). So I went to the court. Received a letter from the court stating they did not verify the information and that it was the wrong person. Still Experian would not remove it or give me the proof I asked for as to how they verified 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 2021-04-01
Company: Lending Club Corp
State: MD
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:
There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate Lending Club accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I previously sent a dispute letter to Experian and XXXX  dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX  charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 2021-08-20
Company: Experian Information Solutions 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:
ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX. 
{$690.00} Balance updated XX/XX/2021 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 2022-01-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2020-06-24
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: Information belongs to someone else

Complaint:
XXXX  and Tranunion continue to report fraudulent student loans on my credit report that do not belong to me. I have tried to dispute these accounts to no avail. They are both in violation of the FCRA.

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 2021-08-20
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business account stopped receiving monthly statements in XX/XX/2019. Huntington did this with out my consent, I tried to get on line to get some of our statements but am not an authorized user according to Huntington. I am the sole owner of XXXX XXXX XXXX XXXX XXXX, XXXX and managing member. So if they won't grant me access to the online account or provide me my bank statements who can access? 
I tried for 2 hours to get someone on the phone to help but it was above there pay grade and they could not help me. I can close the account and bank elsewhere but I need statements to balance the account and have the correct numbers for income taxes purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am XXXX year old senior citizen. Customer of Bank Of America 41 years. I have always paid my credit card bills each month my entire life Within the Last 9 years I have gone into my Life savings depleating its making large jumbo payments of {$5000.00} - $ {$10000.00} several times Paying Bank Of America bringing my. Out standing valence down. Bank Of America Has been charging me % 19 percent interest on. My credit card for 9 years although I faithfully pay my. Credit statements faithfully my entire Life Ive asked Bank of America repeatidly to please lower my interest they say Im getting very low interest which is not true Although I faithfully pay my bills on time plus paying around {$400.00} in penalty rates ntwredt fees a month I can not pay off my credit debt without going into my senior. Life savings Im asking Bank America to drop monthly interest to % 0 percent compared to 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 2021-03-31
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: Information belongs to someone else

Complaint:
I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX. They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation