BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I called Navy Federal Credit Union and spoke with a supervisor about late payments reporting on my credit report. During the global pandemic I was granted a forebearance on a vehicle loan while down to one household income. According to the Cares Act there shouldn't be any negative reporting as this account was in good standing prior to Covid 19 pandemic. The supervisor told me that " this is just business '' and " Navy Federal is allowed to report as they see fit. '' I explained this loan was in a modification process however nothing was corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off on XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
States he is from XXXX XXXX XXXX. States my husband and I are going to be criminally charged for payday loans taken out in 2015. I told him to send me paperwork. They have called my mother in law three times now and both of our employers. I told them this is not allowed. Plus they are not allowed to call them more than once. He is threatening criminal charges which is also illegal. I told him to send me paperwork to verify his claims. He told me good luck. I know they can not threaten criminal charges on a payday loan. I also know payday loans are illegal in my state. I can not recall taking these out. I do not appreciate them breaking the law and trying to blackmail me to get me to pay. He said his personal phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
A 3rd party collection agency, Commonwealth Financial Systems ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented from XXXX XXXX XXXX XXXX beginning Im XXXX of 2016. I paid XXXX, the property manager, two checks before moving in. One was my deposit and first months rent. And the second was the remaining rent for Term of the lease bc I had just received a large sum of funds and wanted to pay in full. She accepted and cashed the checks. Numerous issues evolved. Including maintenance never fixing our AC. I had a XXXX XXXX old baby at the time who could have died. The foundatiOn of the home was sinking. There were horrible issues. So the company agreed to give me my deposit back and money id already paid bc of their negligence. Well I moved and never received anything from them at my forwarding address. I called many times to no avail. Then over a year later I notice on my credit report that a debt collections agency reported I owed almost {$6000.00} to XXXX XXXX. First off I have no clue who XXXX XXXX  is. Second I was never contacted by XXXX or the collection agency. Third they waited a year to falsify information to not have to pay me. This is awful. And needs to be rectified. They told a judge that Id never ever paid them any money. No deposit. No rent. Nothing. Now we all know thats not true bc you can not move in without deposit and rent. Plus my mother was wiTh me when I handed them thoUsands and paid up from. Falsifying court documentation is a felony. What they have done to me is as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.

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 2018-03-31
Company: Bread Financial Holdings, Inc.
State: GA
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: Didn't receive services that were advertised

Complaint:
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: MI
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:
My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXXl ; Opened XX/XX/XXXX Balance {$0.00} XXXX   XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} The XXXX ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing this dispute because Equifax is not displaying my correct information. I have called numerous times about this issue. My credit file that lenders pull as well as what I am able to see on the internet is incorrect. There are only 2 accounts on my credit file that I can see on My Equifax, XXXX XXXX, XXXX XXXX XXXX, and other sites. Lenders also see this same information. When I call Equifax they tell me that they see 28 accounts. This does not help me and I need them to fix this issue. 

The reps dont understand me properly and I do not get emails back from support. I have sent my information to them multiple times via USPS as recently as 2 weeks ago. This is not a website issue. I dont know if my profile is split or some other problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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: Didn't receive services that were advertised

Complaint:
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: JPMORGAN CHASE & CO.
State: FL
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:
Around XX/XX/XXXX my credit card with chase was shutdown without any notice to me. I had been a long time cardholder of many years with them, and when I called support I was told my account was closed due to too many credit limit increase requests and returned payments. Unfortunately I had accidentally used the wrong bank account for two or three payments over the span of 2 months, but I immediately rectified the issue by doing a new payment from the correct bank account. Around this time in XX/XX/XXXX, I had made two large lump sum payments because I realized the last payment I had done a week before, was bounced. I did not attempt to use my card after the two large payments went in. A few days later I did try to use my card and realized the account had been closed the day AFTER my payments went through. In essence, Chase essentially stole my money and shutdown my account because of an accident I made. They are ruthless and utilize draconian methods. They do not care about the consumer and my attempts to explain the mistake and the situation was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter from Equifax dated XX/XX/2020 requesting for information that I have already submitted. I recently submitted a copy of my driver licence and social security card to try to correct incorrect information on my credit report. 

It appears Equifax doesn't keep accurate records and henceforth, the data breach which I am also a victim. 

I have a physical address of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT XXXX and a XXXX XXXX XXXX, XXXX, UT XXXX. 

Equifax want me to submit a driver license with my P O Box address on it which doesn't make any sense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
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: Old information reappears or never goes away

Complaint:
Identity theft fraudulent accounts mid XXXX XXXX XXXX XXXX  keep deleting and adding accounts back on my credit report under my open and closed accounts These account do not belong to me and I didnt no open or apply for any of these accounts The creditor also change is to the XXXX XXXX XXXX and put it back on my credit report XX/XX/XXXXAmount XXXX XX/XX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX ACCT XXXX ... was placed on my report only about 3 months ago. The account is listed as an original creditor in collection yet the account includes judgment fees attached to an original amount close to 5000 dollars.Experian has investigated twice and the response is " remains '' .The falloff date and date of first delinquency is erroneous, an example of re-ageing.I have attached a letter from the creditor dated XX/XX/XXXX which clearly states that the date of first delinquency is on or around XX/XX/XXXX, the date of agreement to make monthly payments where only one payment was made, then defaulted on the rest of them.That would make the date of first delinquency about 6 years prior to today.I also had attempted to fax this proof to Experian 2 days after having started the second investigation.In a follow up call the faxed in evidence could not be found, it was assumed to be in a " pile to be worked on '' yet the investigation concluded remains and the date of investigation did not change with receipt of the evidence, so it 's unknown what happened to the fax.

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 2021-03-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has closed my account for several weeks now for no reason and all my efforts to try to reach them to settle this has been futile as my funds were held with the account. I was advised to file a report on here as i feel paypal arent doing thier jobs properly and thats affecting me a great deal as i use paypal frequently and i have money stuck there. The email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my husband died while visiting our daughter in XXXX. I took a loss and sold our condo in XXXX XXXX. I presented the death certificate at closing and gave Bank of America ( BOA ) an original copy of it at the banking center on XXXX XXXX. 
The loan was paid off and a remaining escrow check was sent in the name of my husband, XXXX XXXX, on XX/XX/XXXX, ( check no. XXXX ) in the amount of {$2300.00}. 
Our joint account was forced closed by XXXX XXXX when they received notice of his passing, therefore I had no account to deposit it to with XXXX 's name. I took it to Bank of America which stated I would have to open an Estate account to deposit the check and would need to file with the courts. 
With the help of an attorney, the Circuit court Judge for XXXX County Probate Division, Honorable XXXX XXXX XXXX, signed the Order of Disposition of Personal Property without Administration ordering BOA to reissue the check in my name on XX/XX/XXXX at XXXX XXXX. This order was sent to BOA by my attorney on XX/XX/XXXX. I followed up with a call on XX/XX/XXXX ( After 1 hr, 51 minutes on hold ). XXXX ( BOA Rep ) stated I needed to call back and speak to the Estate services Dept., XX/XX/XXXX XXXX and XXXX from Estate Services Dept. said they don't see the document. XX/XX/XXXX I had my attorney send it again to the name change unit via Fax at ( XXXX ) XXXX and through mail XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/XXXX ( After 1 hr. 21 mins. on hold ) XXXX ( BOA Rep ) stated she didn't see the documents. I told her they had already been sent twice. She researched another location and finally found the documents and submitted a request for check processing stating the estimated time would be XX/XX/XXXX before I'd hear back and gave me Request ID # XXXX to reference. 
On XX/XX/XXXX I received a letter stating BOA needed more time to research the request and would send a response in 15 days. As of XX/XX/XXXX, I haven't heard anything further. XX/XX/XXXX ( After being on hold for 1 hr. 34 minutes ) XXXX ( BOA Rep ) stated the check was reissued on XX/XX/XXXX but was unsure why it wasn't sent and transferred me to XXXX which stated she couldn't release any information because I'm not on the account and has no record of any court documents. She stated she had the account up and didn't need to look at request ID # XXXX. After I insisted on speaking to a manager, she stated they would call me back in 48 hours. 

This is the same process I have repeated on 2 prior occasions. I have spent over {$500.00} in attorney and filing fees trying to get BOA to refund me the {$2300.00} I paid into escrow and still no progress after a year!! I don't know what else to do

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 2020-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased appliances from Lowes.com on XX/XX/20. Invoice # XXXX. The total amount purchased for all appliances was for {$3300.00}. I made a partial payment with a {$50.00} gift card, leaving a balance to be paid of {$3200.00}. The appliances were delivered and charged to my credit card on 2 different dates. The charges did not appear on my credit card until the appliances were delivered. The first charge was for the stove and refrigerator totaling {$3100.00}. The second charge came when the dishwasher was delivered for an additional {$610.00}. Now, I am being charged a total of {$3700.00} ( less my {$50.00} gift card ) on my Lowes Consumer Credit Card which is incorrect and does not reflect their sale price on my invoice. I have been trying to resolve this over many phone calls between the Lowes credit card company and Lowes with no success. I spoke with someone who said they would resolve it but it never was. Lowes has no record of the person I spoke with and I am still being charged the erroneous amount. Nobody will help me. In fact, they emailed a fictitious invoice that dont reflect the sale discount and that I never even saw before. I have pictures of the sale they were running at the time of my purchase that proves I should receive the correct price. I believe they are trying to not give me the sale price. But the amount theyre charging me doesnt even reflect that so I have no idea where they are getting these charges from.

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