BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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 belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account number XX/XX/XXXXXXXXXXXXXX Original creditor XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}

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 2018-01-23
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home XX/XX/XXXX in Florida while going through a ruff time in my life. I was XXXX to XXXX in XX/XX/XXXX-XX/XX/XXXX. While XXXX i received missed payment on my credit report in which was not supposed to happen while being XXXX in the military overseas. My mortgage got behind while i was XXXX due to my ex wife was taking my pay but not paying my mortgage. When I return needless to say I got a divorce, had to pay almost {$8000.00} and then come to find out the next month BB & T wanted more money or they would start foreclosure proceedings, problem was, ex wife took most and then the rest was paid to BB & T. I attempted to work out a deal with BB & T numerous time but to a dead end. I had to hire 2 different law firms and make payments every month now for almost 3 years in which could 've been money on my home and not lawyers. When I got a divorce the Judge awarded me my home % 100 and my ex wife was NOT on my deed. BB & T was going to give me a modification but wanted my ex wife to sign as well but she refused being she was remarried and wanted nothing to do with me or my home so BB & T backed out and over a year later Im still dealing with this. As a XXXX veteran I have served honorably this country, and it hurts to have The Big Companies in America such as BB & T take advantage of veterans in this deceitful way, I have much more proof that my lawyers will be presenting soon but i wanted to warn my fellow veterans to be mindful and careful when doing business with BB & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from 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 2019-07-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from 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 2019-02-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Received notification on credit report that the company had added a derogatory collection on my credit report. Never received a correspondence via mail or anything about the collection. The collection agency fail to provide information in regards to this collection. Debt was never confirmed to be mine. No Contract was ever signed with the Collection Agency. I never received any information that was submitted to the Credit Bureau to showing that this debt was mine. 

I have proof that the collection was added to my credit report around XX/XX/2019. That is how I was made aware that something was added to my credit report. 

statue of limitation in the state of Texas is four years. Not understanding why would this collection agency report something that failed to send me information about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: SYNCHRONY FINANCIAL
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:
Last XX/XX/XXXX Walmart XXXX closed my account based on a payment taken from an account that was closed! I have never made a missed or late payment! There was a glitch in the system when I made a payment and it was sent back! Walmart has not as of yet assisted me in deleting this closed account from their system! In fact, this has impacted and negatively affected my credit report! Other lenders are viewing this report and are decreasing my credit because of this report! This is against the fair credit act! Please help!!!

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 2018-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open an account using my name and personal information. I am a victim of identity theft. The account is with a company by the name of XXXX XXXX XXXX. I want this information removed from my file.

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 2018-01-20
Company: Coinbase, Inc.
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase My account has been locked for over 2 months with no response for the company. Ive sent multiple help tickets and called with no response. 

Coinbase Help ticket number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
hi, I have paid locker rent for 1 year due to my job transfer I moved from XXXX, XXXX to XXXX XXXX during that time I requested prorated amount to be calculated for my locker rent. Before opening the locker they mentioned that locker rent will be calculated based on the usage/prorated. My locker : XXXX for the year XXXX XX/XX/XXXX. 
I closed the locker around XXXX or XXXX of XX/XX/XXXX. I called the US bank XXXX XXXX XXXX but no reply or update properly. 
I have written 2 letters to US bank XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXX but no response. I paid XXXX dollars rent for XXXX safebox used for 2 months so if we calculate I should get approx. : XXXX dollars. Please look into it and issue the credit of XXXX dollars with interest. 
Attached the safe-deposit locker rent copy. 

Thanks XXXX XXXX XXXX ph : 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 monetary relief
Consumer complaint received 2017-11-16
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is a follow-up complain to yesterday 's complain : XXXX.
I was able to finally talk to someone yesterday after I submitted the complain. I explained to them that I will get paid this coming Friday, etc. but they did not want to reverse the 2 overdrafts in the amount of {$72.00}. Today I am being charged again with another {$36.00} overdraft fee.
This is really abusive in their part after I called and explained the situation.
The resolution for these two complaints would be to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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:
I 'm filling a complaint because I have an XXXX XXXX account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called XXXX XXXX and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by Experian has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.

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 2018-01-23
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I paid off an auto loan with XXXX a couple years ago. XXXX XXXX XXXX has 2 late payments on my credit for that car when I was never late. I set up the payments to come out of my account. I had some trouble getting the payment to process and was assured by customer service reps the payment was made. The payments were always made. I contacted them via mail, over the phone and through the bureaus about the dispute but they refuse to remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I HAVE SEVERAL CHARGES ON MY VISA CARD THROUGH BANK OF AMERICA THAT I NEVER DID BUSINESS WITH AND NEVER AUTHORIZE ANY OF THESE TRANSACTIONS. I WILL LIST CHARGES AND DATES AND AMOUNTS AND COMPANY NAMES. I DID REACH OUT TO THE CREDIT CARD COMPANY WHEN ALL THIS HAPPEN BUT THEY SPOKE TO ME SO MEAN I COULDNT BELIEVE IT. THIS IS SENIOR CITIZEN ABUSE AND I WANT MY MONEY BACK. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX ALL ON MY OLD VISA CARD ENDING IN XXXX PLEASE HELP ME GET MY MONEY BACK

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 2018-01-23
Company: North Shore Agency, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On X/XX/18 at approximately XXXX I, XXXX XXXX  spoke with XXXX XXXX XXXX XXXX XXXX XXXX with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
There are many mistakes appear in my report without my understanding.

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We formed XXXX corporations for the purchase of a dental practice and its building. The first corporation is XXXX XXXX XXXX XXXX XXXX and the second corporation is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was to buy the dental practice through a practice loan and a line of credit, while XXXX XXXX XXXX was to buy the real estate/building through a real estate loan. TD Bank requested that XXXX XXXX XXXX XXXX XXXX pay {$4000.00} for a good faith deposit on the practice loan and {$250.00} for the line of credit. TD Bank did NOT request XXXX XXXX XXXX to put a deposit for the real estate/building loan. The purchase of the practice did NOT go through and we ( XXXX XXXX XXXX XXXX XXXX XXXX requested our good faith deposit back. XXXX TXXXX XXXX XXXX XXXX did not incur any fees during the process, but yet TD Bank felt that since XXXX XXXX XXXX ( a whole different corporation that we own ) incur fees from third parties, that they would transfer the money from XXXX XXXX XXXX XXXX XXXX 's deposit to pay the third parties fees without our consent. We talked to TD Bank about this, but the person in charge, XXXX XXXX XXXX TD Bank XXXX XXXX, does not care that he was taking money from XXXX corporation to pay the other. 

Instead of XXXX XXXX XXXX XXXX XXXX getting the full {$4200.00} deposit back, they will only give us {$760.00} back. 

We tried to contacting them, but they have been ignoring us. 

Once again XXXX XXXX XXXX XXXX XXXX DID NOT INCUR ANY FEES DURING THE PROCESS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received a letter from our mortgage servicer stating that our loan had been transferred to Mr. Cooper Group Inc. ( " Mr. Cooper '' ) and that the transfer would be effective as of XX/XX/2021. Since then, we have received no communications at all from Mr. Cooper despite my calling their customer service department and inquiring, as well as contacting our prior mortgage company ( The XXXX XXXX ) for advice on how to make our XX/XX/XXXX mortgage loan payment, which was of no help. I have been on the Mr. Cooper website several times- including today - and have entered our former loan number and my SSN into their online database for " Transferred Loan '' information. Upon submitting my information, their database returns an error message stating that it has no information and to wait for " up to seven business days '' from the effective date stated in the letter for the transfer information to show up. Meanwhile, I can not create a customer loan account online. See the attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a loan from Higher Education with my parents as co-signers. 6months in XXXX ( I believe )! after I finished school my co-signers got a notice that I was late on my monthly payments and they needed to pay. I contacted Higher Ed and said i the primary ( living at the same address as my parents ) never received any notifications to start payment or how much my monthly payment would be. They said I know what I owe, so I should just pay it. i borrowed $ XXXX. It felt like they expected me to pay it upfront. Next month I never received any bill again but my parents received a second notice. I called, emailed, and hand wrote letters to them asking to please tell me what I owe monthly and to send ME the primary a bill. Again, they never did and their phone customer service wouldnt tell me again what I owed. I later got the first contact from them saying my loan was in default and being sent to a collections office. I felt like that wanted this to be the case so they would get a large sum upfront. The lawyer they sent the loan to was not willing to work with me. They told me to get a personal loan to pay the student loan off, or borrow $ XXXX from a friend. I was XXXXyr old I didnt have $ XXXX to pay upfront. Also told them If I had a friend that would lend me $ XXXX I would have never gotten a loan. I payed large sums of {$2500.00} and monthly payments of {$170.00} for 9 months with the verbal agreement they would contact the credit bureau to say I was making good on my loan and help my credit score a little. They never held up their end of the deal and in fact later said that is something they couldnt even do. I lost my job in XXXX and got XXXX shortly after. I couldnt afford to send my children to child care and my mother became XXXX, I had to declare bankruptcy, I currently live with my parents and take care of my mother and children. I contacted the lawyer recently and was told they would not allow me to make payments. They wanted a large sum to cover the loan. I could only afford to make {$50.00} a month and that wouldnt even cover the interest accrued every month. The lawyer asked why my father wouldnt send money since he is working and I explained he is the sole provider in a house of XXXX, there is no extra income he can give. I was told so hed rather pay other things instead of this collection I explained the mortgage is important, would you rather us default on the mortgage? I have other student loans with different companys as do my parents and we have never defaulted on any of them. Im at my wits ends. My credit is destroyed and my parents credits are affected as well. I dont know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX from 2015 I never had a loan from XXXX XXXX XXXXXXXX at all, and they keep charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation