BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: MA
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 on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my 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 2018-08-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/23, I opened an account with XXXX, placed an order and paid for that order with an XXXX XXXX XXXX. The order was cancelled by XXXX and all monies were returned to the credit card issuer with the exception of {$52.00}. I was not aware of this as I never received a bill, as such a 30 day late was attached to 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 2021-09-01
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was scammed by a company on XXXX posing as a XXXX XXXX firm. I waited 30 days to dispute the charges after realizing they were a scam. They blocked me on XXXX. I reached out to Direct Express to file a dispute. They did. I received paperwork to sign and send in, which I did that following Tuesday. I kept calling and they claimed they didnt receive it. The last call they told me that the dispute was closed out. Were talking about {$790.00} in a scam charge and they refuse to even investigate it because THEY lost the paperwork. I record every call with Direct Express. The gentleman said I had to verify my account before opening the dispute again. I did. Instead of it taking 5 hours it took 7 days. In record every call - the email given to me by the rep was incorrect. They verified my account and I called back. A XXXX  rep spent 20 minutes on the phone giving me instructions on how to open back the claim to be investigated. She said because I stated they lost my paperwork and I refuse to say the post office lost it shes not allowing me to open my claim. I told her thats fine I recorded this entire conversation. This woman sounded XXXX XXXX, please listen to the recording. She slammed down the phone on me. I called back, this rep now tells me she doesnt know what Im talking about they dont have an email. I explained the situation and she looked over the account and said the claim is open but next to it there are 3 question marks and it says unassigned. What can I do about this company? The merchant are scammers. Professional scammers. XXXX them. Direct express wont even investigate it. This is a lot of money. What can I do as a consumer? I will be reaching out to the media with the voice XXXX recordings. Direct express refuses to investigate claims and their excuse is you didnt send the paperwork not to mention theyve been sued by federal courts for their financial abuse to XXXX individuals. I will not stop until I get every XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA home Mortgage through Mr. Cooper loans. In XX/XX/2019 my loan servicer was switched from XXXX to Mr. Cooper and it has been problem after problem. 

Relevant to the Coronavirus pandemic, I run a XXXX XXXX  as my sole source of income and had to shut my XXXX  for over a month. 

I had contacted in early XXXX, Mr. Cooper, to explore mortgage relief options. I was told they had a forbearance program but there was no loan modification and the entire balance of forbearance would be due at the end of forbearance. I was advised to refinance my loan, despite my vocal confusion over the fact that I had just told them my income was negatively affected. I Inquired about terms, rates and fees and was told that I would be getting a lower interest rate and payment for about $ 400-600 in fees. I was sent signing documents and discovered that  there were over {$10000.00} in unmentioned fees. 

I called Mr. Cooper mid XXXX to inquire about these fees and was told by a representative that I should not have been advised into a re finance, and that forbearance with loan modification would be an option. For whatever reason I was not told about what my loan modification would look like. 

At the end of XXXX ( Thursday, XX/XX/XXXX ) I contacted Mr. Cooper to the end my forbearance. I was given options for repayment or to choose loan modification, and have my application sent to underwriting. I chose loan modification. On Saturday I checked into the Mr. Cooper app to see any notification from underwriting and I saw a warning that showed that I was delinquent on my loan. 

I called Mr. Cooper for the first time at XXXX and struggled to get in contact with a representative for an hour. The representative then told me that I was in the loan repayment plan and not loan modification, in direct contradiction to what I had requested. The representative reviewed the notes from the previous call and said that representative said I chose repayment. I asked if all calls were recorded and she said that they were. At this point I requested speaking with a manager. I was then placed on a series of holds until XXXX when their call center closed, and the phone line was cut short. 

This company is preying upon veterans, who are having their loans sold to Mr. Cooper only for them to mismanage these loans with borderline fraudulent communication and banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Navy federal credit union closed my account without warning because I was trying to purchase a car with my brother and friend while on a travel assignment. We sent each other money via member to member and the bank flagged it as suspicious activity which I can understand. I called the bank to explain what we were doing and why but the representative started screaming and didnt want to hear why I was using my own money. Ive never deposited any cash into my account and Ive never withdrew any cash from my account so I dont understand how its suspicious activity, but they treated me like a criminal. Im a XXXX XXXX and every dime in my account can be accounted for. All my checks come direct deposited so the bank can see everything. I have auto loans and credit cards with this bank and I dont understand why the representative treated me so badly. Ive never even missed a payment. I just want my account back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit report XX/XX/18 and noticed a collection account of {$73.00} placed by EOS CCA for an unpaid XXXX bill. I called and got my account number - XXXX. I called XXXX to verify the information because I have never been a customer or had an account with them. XXXX checked the account number, my name, DOB, SSN, address etc., and could not find anything associated with myself and they said the account number had never been active. They also told me that they do not turn over their collection accounts to EOS CCA. 

I called EOS CCA back and spoke to XXXX who claimed he was a manager. He was very hostile and told me that if I didn't pay this account today they would " sue my XXXX off ''. I asked him to verify the identity of the person associated with my account and he refused, he just assured me that it was mine. He repeatedly asked me to give him my social security number which I refused to do. I told him that if this account was actually associated with me they should have my SSN already. He also refused to give me any information like his last name, employee ID number or send me to a higher level manager. When I told him that I verified the information they had with  XXXX and that it was indeed a fake account and that XXXX does not give their accounts to EOS he hung up on me. 

I had never received a call or any correspondence from EOS CCA regarding this account, I just happened upon it when checking my credit report. I disputed this account with the credit bureaus and it was quickly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
well, I pay {$30.00} a month to XXXX  and XXXX  to me with fixing a thing that I figured would be easy considering all the documents I've sent. The more I try to fix inaccurate information the worse both make my report. The people just don't understand English very well and do not understand the issue. I've had to a credit card company cut my card off because XXXX  said it was related to fraud. the account was not related to fraud the two-month first premier report my payments late was not my fault they were late.they were late because of a fraud-related problem affecting my taxes and financial aid for school.com. Another issue I am having with XXXX is when I call them I noticed what they see in my report is not the same as I see when I'm login to my membership account. .Almost always they open another dispute after I get off the phone with them. a couple of times this has happened and I didn't make a dispute. They have the amount of money I have available wrong on my accounts the card limits on cards the date accounts were open. They do the opposite of what I tell him or show them. I paid my only two cards off they have a credit limit for both backwards and the account were both at XXXX for two months. now XXXX and XXXX with remaining available credit of XXXX, not XXXX. I think XXXX  is the problem not my who I have accounts with

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: Navient Solutions, LLC.
State: NY
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:
In XXXX I submitted a payment to go through on XXXX to fully repay my loans of over {$250000.00}. The same day I contacted customer service to make sure the payment would go through from a XXXX investment account. I was contacted on XXXX that they payment would not go through and had to come from a bank account and I had to transfer the funds from XXXX into my bank account. On XXXX the day the payment was scheduled to go through it did not. On XX/XX/XXXX we transferred the funds from XXXX into our bank account and scheduled another payment in full to Navient. On XX/XX/XXXX the original payment went through and the second payment in full was listed as pending. We called Navient to put a stop on the second payment ( customer service was closed ), I wrote an email and my husband  contacted his bank to put a stop on the payment which they said they would do. On Monday XX/XX/XXXX the payment was still listed as pending but we were assured from the bank that the second payment would not go through. On Tuesday XX/XX/XXXX I checked my account and it said both payments were fully processed - an overpayment it {$250000.00}. I called Navient to understand why the stop never happened on either side and all they told me is that it would take 10 days to fully process the transaction which they will and another 3 weeks to get the money back. This is outrageous and fraudulent behavior - absolutely criminal. 

The company misled me to believe that it was not possible to pay from my XXXX account and then proceeded to not only charge this account but then process an overpayment of over {$250000.00} when I cancelled the payment both from the bank and on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: SYNCHRONY FINANCIAL
State: IN
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:
On or about XX/XX/XXXX at XXXX XXXX ( not sure which time zone ) I contacted XXXX ( Synchrony Bank handles their credit card ) from XXXX at XXXX to ask how I could pay them, the {$32.00} TOTAL I owed them and that was due on XX/XX/XXXX, because I was overseas, I did not have my full account number, only the last four numbers, and was having difficulties trying to pay online. I was told that I could send a check through my bank to an address they gave me ( XXXX XXXX XXXX, XXXX, GA XXXX ) and that the last 4 numbers and my name would suffice. After asking for reassurances, that were given by XXXX, that was done, according to my bank, on XX/XX/XXXX ( Check # XXXX was mailed to XXXX XXXX XXXX/Synchrony Bank for receipt by XX/XX/XXXX ). I then forgot about them since I had not incurred any other charges. Some time after I got back, I was catching up on my mail on or about XX/XX/XXXX, when I opened a XXXX statement and to my utter surprise found that they were saying I was delinquent for the XX/XX/XXXX payment, and had various additional charges. I notified them immediately about the error, what had transpired, AND sent them proof of the payment sent. I also told them that the payment had NEITHER cleared my bank nor been returned to the bank 's payment service. After a series of contacts, including phone calls, they advised that it could take 30 days for them to investigate what happened to the payment. I was n't happy it would take that long, but there was not much I could do about it. Then, I received an alert from one of my other credit cards ' credit alerts service advising that my score had changed. It seems XXXX/Synchrony had negatively reported me and my score had taken a hit. At that point, I contacted them again and expressed my outrage ( I have more than 6 other accounts with them, more or less, never late, etc. ). They were very disorganized and not understanding what was happening. I was trying to explain that, at the very minimum, they should suspend all the charges and statuses until they could determine what happened to the check. I then filed a dispute with the credit bureau or bureaus and, lo and behold!, they were able to immediately respond to that action ( no thirty days required for that ) and sent me statements about the payment not showing up and, therefore, declaring the reporting as being correct. No payment is showing up because something happened at their end at the address they gave me!! They are absolutely clueless and disconnected from their departments but, in the meantime, they are UNFAIRLY and WRONGFULLY hurting my credit.

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 2020-07-10
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, PayPal closed two of my accounts. They also notified me that they would be holding {$18000.00} of my money to prevent possible chargebacks. The money was mine, though ( checking to Paypal for {$6000.00} and {$12000.00} was sent from one PayPal to another, both mine ). Needless to say, I can't charge back myself. 

I value my relationship with PayPal, and have always taken my work with them seriously. Last year, for instance, I had multiple conversations with XXXX in their executive office. 

Many people conduct routine business in the manner that I do on PayPal, but I was singled out for account closure -- without knowing what I did wrong. If there is an issue having two business accounts, please close one, but closing both is evil -- and prevents me from earning a living. 

I also would like my {$18000.00} returned now -- they were mine funds, so again, I can't file a chargeback against myself. I was under the impression I was staying within the lines on everything I did with PayPal and ask for someone senior to review my account and give me one chance to stay within the terms. My accounts were both old and verified heavily. 

Thank you for considering my request to re-open my account and the separate request to return my funds. My PayPal records clearly show my funds were used to pay off credit card bills and locking up the funds will be crippling for me financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent Equifax data breach and I suspect this contributed to inaccurate items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
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:
Transunion customer service would not help and take care of the negative inquiries reporting to My credit report, please find the list : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the fee.

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