BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: Bread Financial Holdings, Inc.
State: WI
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:
some time around mid 2017 I went in to XXXXXXXX XXXX XXXX XXXX XXXX to purchase an item. At this time I signed up for what was presented as a 0 % apr credit card. I signed digitally for the card. I went back some time after and wanted to add an additonal purchase on the 0 % apr card. 

After several months of making timely payments i started receiving collection calls. I found a second fraudulent account was created rather than putting the purchase on the original account. After looking closer into the staments I also found rather than being 0 % interstet rate they had signed me up for an extremely high APR card. 

When i went in i was told they sold the account to the company below and could not do anything. They said i should have put down {$1000.00} in order to receive to 0 % which was not diclosed to me. 

XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX When i called XXXX  they said all they could do is settle the account in full. This has damaged my credit and has made it so I can not afford to pay it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to apply for a loan modification for several months with loanDepot. I am working with a non-profit and HUD approved housing counseling agency to submit my modification paperwork. On XX/XX/18, I received a letter from loanDepot that my application was complete and that I should expect a decision within 30 days. I received no further communications from loanDepot about the status of my paperwork and then received a letter on XX/XX/18 advising me that XXXX XXXX was now my new loan servicer. When I contacted XXXX XXXX about the status of my paperwork, they advised I would have to apply all over again. This is incredibly frustrating and my counselor advises is contrary to federal law regarding the servicer 's duty to issue a decision within thirty days  of a complete file as well as their duty to send my loan modification paperwork to the new servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX who is not doing anything they are sued for taking people home fulse foreclosure everything they do is only a road to take people home. 

I get hundreds adds every month lazy unsuccessful real state agents cricket attorneys who want to pay cash for my home its stressfull I hate checking mail my XXXX XXXX is constantly high

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 2020-06-25
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:
AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.

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 2019-01-04
Company: Experian Information Solutions Inc.
State: CT
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 asked experian to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Experian also didn't produce any documentation proving that I indeed owed the debt. The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act. 
In response to my second letter, they stated that they would not re-investigate the collections account but they did not send me any form of validation or verification proving why I owed such debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
An account closed by credit grantor is still showing on my XXXX report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.

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: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Over the past ten years, received exceedingly prolific amounts of unwanted mail offering Capital One Credit cards. This large amount exposed me to an increased risk of identity fraud, listing my name and address along with blank application forms for their cards.

I recently received a statement for a Capital One card I had never applied for or used, leading me to believe that either : a ) Capital One opened an account in my name without my permission or b ) Capital One 's many advertising forms requesting that I apply for a card exposed me to additional risk of fraud and someone else opened the account in my name, having most of the required information to do so from these unsolicited advertising pamphlets.

I have since spoken to XXXX from Capital One 's fraud team, who has assured me the account has been closed ( Capital One Case # XXXX ), but could not yet provide me with a letter in writing of this closure or any unique reference numbers of their report to a credit bureau for 60-90 days. Additionally, I have had to file a police report ( XXXX XXXX  PD # XXXX ), create accounts and reports with the identity theft agency ( # XXXX ) and request an individual fraud alert of my own ( XXXX # XXXX ) without the corresponding filing number for the report allegedly filed directly by Capital One.

The entire process for rectification has put the onus on the victim to rectify without any compensation for time required or stress caused by Capital One 's irresponsible and aggressive advertising methods ( in its best light ) or direct actions of opening an account on my behalf without my consent ( in its worst light ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: NJ
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:
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that XXXX XXXX had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted XXXX XXXX to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

XXXX XXXX customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where XXXX XXXX admits having issues with their payment system when they updgraded in XX/XX/XXXX.

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I'm beyond frustrated at Navy Federal!! I keep getting fees on top of fees. I'm making deposits and then charged NSF Fees and then when debit card purchases come through which if the funds were not in my account in the first placed would be declined. But when they clear my account I'm then charged overdraft fees. I was told on XX/XX/XXXX a debit card purchase for {$3.00} caused my account to become negative, but this is only after I was charged two {$29.00} NSF Fees at the time I used my debit card {$3.00} was available in my account. This same issue happened on XX/XX/XXXX when a debit card transaction cleared my account on XX/XX/XXXX for {$59.00} but I was not charged an overdraft fee of {$29.00}. It is absolutely ridiculous to charge me NSF fees and Overdraft fees at the same time once debit card purchases ( funds are in my account or purchase would be declined ) post to my account. Spoke to XXXX the supervisor on XX/XX/XXXX and she could not tell my why I was charged {$29.00} in once instance and not the other. It's infuriating when the financial institution you bank with can't even inform you when you are or are not assessed fees. In addition to this madness I was told XXXX was submitting the {$15.00} payment again through my account on XX/XX/XXXX ( can't see it and was told by XXXX that they do not submit ACH Payments twice, yeah ok ) I was told by XXXX to make deposit ( done at XXXX XXXX  on XX/XX/XXXX while on the phone with XXXX ) and call between XXXX - XXXX on XX/XX/XXXX to have transaction processed for payment only to be told by XXXX the supervisor that it is only a process that can occur if the error is on Navy Federal and between the hours of XXXX - XXXX ( deposit made at 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 2018-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I previously disputed a repossession on my credit but the results from Transunion were that the information was stated as accurate by XXXX XXXX. Today I spoke with XXXX at XXXX and have documentation that I have XXXX $ balance and owe nothing for the repossession. XXXX XXXX stated i need to dispute it with the credit bureaus but the credit bureaus states XXXX said its accurate but I have documentation from XXXX that proves otherwise.

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 2020-08-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
That a fair investigation by Equifax would have elicited information about events or discussions that transpired among me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of Justice XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, Equifax 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX denying the opportunity to settle, negotiate or dispute the debt. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Navient Solutions, LLC.
State: TX
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've been a student with XXXX for a few years as I was taking classes while serving in the military. On XX/XX/XXXX, I stopped taking classes because I was separating from the military and transferring from XXXX University  to XXXX   XXXX University. In XX/XX/XXXX, XXXX University  placed a hold on my student account. I am unable to access my official transcripts and other documentation. I have made several attempts in contacting my advisers and other branches of XXXX over the course of several months. I finally spoke to a man named XXXX XXXX through email about my account. He stated I ONLY needed to update my financial information about how I will be taking future courses with XXXX. Which made no sense because I did not want to continue my education at XXXX, however, I sent the form in, to update my financial information. After I sent the form, XXXX XXXX XXXX stopped replying to my emails. I then made several calls to my adviser and made sent several emails ; none were replied to. On XX/XX/XXXX, I got hold of the financial office and spoke to a gentleman. He stated the holds on my account are because I owe XXXX University $ 2000+. The balance includes two of my latest student loans through Navient. He states that because I withdrew from XXXX University after my class in XX/XX/XXXX, XXXX had to refund money back to FAFSA for the classes I did not take after my last class. He states that because XXXX had to refund the money back to XXXX, I owed XXXX that balance. I told him it doesn't make sense that I owe money back to XXXX for classes I did not take. He then replied and stated that the money I owe XXXX is because of the loans I took out from Navient. This would mean I now owe student loans to XXXX AND Navient for the same loan. After arguing my case, the gentleman stated he was just going to email me a breakdown of what and why I owe XXXX $ 2000+. however, I have yet to receive this email. It doesn't make sense. The attachment is me speaking to XXXX XXXX through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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: Information belongs to someone else

Complaint:
About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX since XX/XX/XXXX. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX I live in XXXX. I am asking removal of all 3 debts and inquiries.

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 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to XXXX, XXXX, and TransUnion on the issue but got no responses.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled a billpay with BofA on XX/XX/XXXX. On or about XX/XX/XXXX, the recipient notified me that they had given me the wrong address for the check and asked that I cancel the check. I called BofA and asked them to stop the payment and void the check. They said they would do so and that no funds would be withdrawn from my account. Two weeks later, the recipient received the check and destroyed it. Note that the check said it came from a different bank from BofA ( how did that happen??? ) I wrote a new check and handed it to the recipient.

Bank of America never canceled the original {$8000.00} payment. So, in total, two payments of {$8000.00} were taken from my account, even though only one of those  checks was cashed by the recipient adn the other check was promised to be voided by BofA.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-02
Company: Experian Information Solutions Inc.
State: SC
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:
Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to Experian, XXXX, and XXXX on the issue but got no responses.

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