BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
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:
on XX/XX/2018 an old collection account that was removed over 8 years ago reappeared on my credit report for {$1200.00}. the account is XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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:
The bureaus are showing XXXX  XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called into Bank of America to file an fraudulent transfer of XXXX From my account to XXXX XXXX my purse and phone had been stolen and the person had all my personal information such as ID and social and passwords i store in my purse they denied my claim which has cause significant financial difficulties to where me and my family will be homeless soon I dont feel that my claim should have been denied when I did not make the transaction

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 2018-07-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are writing a formal letter to express our sincere disappointment and concern with services received with Navy Federal Credit Union Mortgage department in XXXX ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). Communication between ourselves, the loan officers and loan processors was subpar and did not meet expectations. The reason for this complaint is that we are also concerned with misinformation received at various points of the process. Whether this was intentional and predatory, or agents were ill informed this is a cause for great concern. Copy of the full letter submitted to the parties involved will be faxed, which include specific issues with dates and screenshots. An attempt was made to resolve the issues on XX/XX/18, transcripts of that email will be faxed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
Last XX/XX/XXXX, I called American Express to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a platinum card, gold card, a blue card and/or a green card. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from American Express without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, gold, blue and green. While checking my inbox on my email, I got credit alert from XXXX on XX/XX/XXXX stating that American Express pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that American Express pulled my credit report from XXXX and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX and XXXX ). How can American express do this? I called American Express right away to inform them about what happened to me. I was misled and made to believe that American Express would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from American Express stating that the 3 credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the credit inquiry of American Express, while XXXX and XXXX  still continues to have the credit inquiry of American Express in my credit report. I sent letters to XXXX, XXXX   and American Express to remove and suppress the credit inquiry, but have been unsuccessful. American Express sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to American Express including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I called Truist customer service to close a checking account that had a balance of {$0.00}. When I spoke to the customer service representative they said they were going to transfer my call to the charge off department. So they transferred me to the charge off department, who proceeded to ask me questions regarding my address and my phone number, and then said you don't have a charge off. Then they said, we don't close accounts here because we " are the charge off department. '' They said you have to go to a branch. Then I asked why can't I close the account with you on the phone, and they said it's our policy that you have to go to a branch. Their practices are deceptive as I called to close an account, they proceeded to answer personal questions and at the end they said you have to go to a branch. I want to close a checking account that has a {$0.00} balance on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. 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 2021-02-05
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome 's response is correct up to : " On XXXX XXXX, 2021, AmeriHome received a payment from the previous servicer in the amount of {$1800.00} ''. The XX/XX/XXXX payment came from us NOT from the previous servicer, XXXX XXXX  XXXX. XXXX XXXX XXXX believes the XX/XX/XXXX payment is theirs and they have the money ( I have confirmed this in calls with them ). AND, AmeriHome Mortgage Company believes the XX/XX/XXXX payment is due to them. We, the borrowers, are stuck in the middle and are considered delinquent. Help!!! Please get them to talk to each other and resolve the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.

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 2019-05-10
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold by XXXX XXXX to Freedom Mortgage on or about XXXX XX/XX/2019. During that time I made my payment to XXXX XXXX and Freedom Mortgage helped me with setting up my new payments to them. Little did I know that my mortgage would be charged twice that month. Tomorrow will be my 6th phone call to both servicers. 

XXXX sent my first XX/XX/XXXXPayment to Freedom. Freedom sent it back to XXXX. XXXX doesn't know anything about the {$3000.00} mortgage payment that was refunded. The money has not come back to me. 

I have called Freedom Mortgage repeatedly to find this money and each time I have received no valuable response. It was recommended I request escalation to a supervisor. I did this. Nothing happened. I was promised a call back the next day. Two weeks later, no call has materialized. I told them I needed my second payment back to buy food for my household. Nobody cares. They said they second mortgage payment would be back in a week. That was one month ago. 

The png and pdf files I have attached have been provided to both Freedom and 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 2021-02-26
Company: EQUIFAX, INC.
State: TN
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 sent a request to investigate inaccurate accounts on my credit profile. It has now exceeded 90 days since I sent my inquiry, but I have yet to receive a response to these inaccurate records on my profile. I understand it is my right to ask for a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I sent a certified letter to Transworld Systems, as  they were reporting a debt on my credit file, disputing this account and asking for proper detailed validation of this debt. I received no response, and my credit file was not updated as disputed as required by federal laws. Since, no action was taken on behalf of Transworld Systems, I sent another certified letter again demanding proper validation. To date, I have yet to receive any response from Transworld Systems. This company 's lack of care to follow both federal credit reporting laws and federal debt collecting laws is harming my credit file. I never received any initial notification of the debt so that I hade a proper chance to dispute or resolve this debt before it was reported on my credit file. To date I have no knowledge what this debt is, as I have never done business with Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have called Wells Fargo multiple times and have spoken with customer service representatives. I would like to be able to view my banking records for the savings and checking account. If I am not able to view these services online I would love to be able to received the paper copies they are for financial disclosure. Please assist me.

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 2021-02-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, XXXX  my bill did not go through SYNCB/XXXX XXXX  - account with 1 missed payment. I am kindly requesting SYNCB/XXXX XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2022-08-06
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 my account was closed and that is unlawful Pursuant to 12 CFR 1002.7.

12 CFR 1002.7 - Rules concerning extensions of credit.

CFR 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
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:
I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is Equifax due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX. 

I have also disputed with XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018. 
I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus. 

This item XXXXXXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you Equifax has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you Equifax and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXXXXXX XXXX is indicating you Equifax are the party in this matter not reporting information accurately. 

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted. 

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency. 

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANCO POPULAR DE PUERTO RICO
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account went past due, due to issues with the mail. I called up to pay over the phone. I asked to pay the account off and to close the account. The lady told me the payoff amount which I paid, however the account couldn't be closed until the payment cleared. Which is not true for revolving credit lines, they can be closed with a balance. A few months later I opened a plain envelope to discover that I had a balance of several dollars. I called and they could not waive due to previous late fees waivers. I explained it was due to bank error and I am not responsible for a bank mistake. They had taken my payment as an account payoff. I asked for a return call from a supervisor since none was available. I never received one, nor did I receive one the next time I asked. I am trying to refinance my home and due to the impact of the delinquency on my credit card I did not qualify for the cheapest loan. I had to take one that is {$3000.00} more expensive in closing costs. The refinance can not close until this balance is gone. I called again today and paid the balance since they refuse to resolve the {$1.00} residual interest error that is now {$8.00} with more fees and interest. This is predatory and unacceptable practices. I would like the delinquency removed from my credit report and the {$8.00} refunded to me.

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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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