BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: FIRST NATIONAL BANK OF OMAHA
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:
For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.

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 2018-12-28
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I WITHOUT MY KNOWLEDGE SENT ME AN EMAIL THAT SAID THAT THEY HAD TAKEN {$1.00} OUT ON MY DEBIT CARD. THE ONLY THING I KNEW WAS THAT THERE WAS A CREIT SCORE FOR FREE. I DID NOT SIGN UP FOR ANYTHING, I DID NOT EVEN MAKE A USER ID OR PASSWORD OR ANYTHING. I WAS NEVER ASKED! I WOULDN'T WANT IT ANYWAY I DON'T NEED IT. THIS WAS TODAY-XX/XX/XXXX. THE ONLY THING I GUESS WAS THE # 's OF MY DEBIT CARD. THERE WAS NO TALK OF A FEE OR ANYTHING ELSE DISCLOSED. I HAVE BEEN TRYING FOR HOURS TO CONTACT THEM BUT I CAN'T. THEY WANT ME TO SIGNUP & IN, I DO NOT WANT TO FOR SURE I WILL NEVER GET OUT. I TRIED EVERY CONTACT US THAT THEY HAD AND EVERYTHING WAS A NO GO. I JUST WANT OUT! I HAVE KNOW CLUE WANT THIS WHOLE THING ENTAILS. THERE IS NO UNSUBSCRIBE.I AM ILL AND DO NOT NEED THIS EXTRA PROBLEMS. PLEASE HELP?! I WAS TRILLED TO FIND YOUR SITE. I NEED TOI EMAIL, I DON'T HAVE A TEXT PHONE AT THIS TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
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: Account information incorrect

Complaint:
The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/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 explanation
Consumer complaint received 2018-12-28
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX appears on my credit report. I am trying to dispute the validity of the debt in the amount of {$620.00}. If the debt belongs to me, within the XXXX and the debt collector is licensed to collect in my state. Debt Collector has no contact information as all numbers have been disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
In XX/XX/2017, my credit card was fraudulently used to rent a vehicle. I filed a dispute with Navy Federal. Navy Federal 's follow up to my dispute elapsed over 90 days. Navy Federal kept a {$500.00} deposit, but they are also trying to hold me accountable for the fraudulent charge. The credit card was a secured credit card with a {$500.00} limit opened with a {$500.00} deposit. The Fraudulent charge was for {$350.00}. Navy Federal owes me {$140.00} but reports to all three credit bureaus that I have a {$350.00} debt. I have also filed a complaint with the federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I contacted Bank of America to refinance my home mortgage. The property was awarded to me in a final divorce decree dated XX/XX/XXXX. The bank disallowed the refinance of my home without the inclusion of my ex-husband if the refinance was to go forward. The universal loan application prepared by the bank included that only my name was to be included in the title/deed paperwork. 

During the preparation of the loan paperwork I was contacted a few times with regards to the preparation of the title deed, each time i indicated that I was to remain the only name on the deed. When the loan paperwork was provided for signature, it included both names, transferring interest back to my ex-husband, incorrectly. 

The bank updated the loan paperwork through an amortization to remove my ex from the loan paperwork, how ever, the bank is unwilling to update the error made on the deed. They are unwilling to correct the error that their third party loan paperwork company ( LSI ) prepared by including my ex on the title deed. 

I understand that errors in loan paperwork may be altered with a Mortgage Information Correction, however, this, nor any other options have been provided to me where the bank would correct the clerical and administrative errors that have placed me in this position.

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 2020-12-14
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 HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.

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 2021-05-04
Company: FinCo Services Inc DBA Current
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I tried to rent a XXXX truck got there and decided to cancel the transaction so I was told everything was voided and my money would be refunded within 5 days but the prepaid card company ( current ) still has a pending hold on my card I spoke to several reps and I feel like the trying to scam me out of {$510.00} so now I'm contacting you guys. The transaction happened on XXXX XXXX and I still haven't got my money bk it's not the truck rental company it's the current ppl who's holding my money and for what

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/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 2020-12-14
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today XX/XX/14 I applied online for a refinance and received this response : LET 'S GET YOU APPROVED Congratulations! 
You're Approved Eligible* Powered by XXXX XXXX, it was that easy. 
Property : Your property has been approved. No appraisal needed. 

Now, Let 's get you fully approved! 
We'll call you shortly to review the loan and get you fully approved. 
We will be calling you from XXXX *Based on the information we have obtained so far and subject to verification of information as required by underwriting guidelines. 

footer logo AmeriSave Mortgage Corporation, XXXX ID # XXXX, ( www.nmlsconsumeraccess.org ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. Additional disclosures and licensing information may be found by clicking here on this " Disclosures & Licensing '' link. For questions regarding state licensing, please contact ( XXXX XXXX XXXX. Not all products and options are available in all states. Terms are subject to change without notice. Some people portrayed are professional models. 

However, when I talked on the phone with an agent at XXXX the woman said there would be an appraisal fee and she hung up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been unable to open an account with XXXX XXXX or Synchrony Bank due to having my information stolen along with identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CORELOGIC INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a old bill like 20 years ago can you please take this off my credit report thank you this is insane

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 2021-05-04
Company: CITIBANK, N.A.
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
Summary : CitibankSummary : Citibank failed to properly address my dispute. My dispute related to an overcharge on the card for goods and services I had received. I wrote a detailed letter highlighting that my issue related to overpayment for goods and services I had received. Citibank failed to properly address my concerns and didnt address the issue of overcharge/overpayment, Citibank responded that the services were rendered. I have also asked for Citibank to provide more information on which they made their judgement and the Merchants response to my detailed letter. After 3 attempted calls, Citi have not provided this information. 

Details : On XX/XX/2021 a charge was posted to my account of {$2800.00}. I opened a dispute on XX/XX/2021. 
On XX/XX/2021 I provided detailed evidence explaining that my dispute related to an overcharge/overpayment that needed to be corrected. 
On XX/XX/2021 Citibank requested further information as documents were lost or damaged. 
On XX/XX/2021 I provided this further information Citibank declined our dispute on XX/XX/2021 Complaint 1 : Citibank failed to resolve the case, appropriately investigate our issue or provide a logical explanation as to why they had declined our dispute. 
As per our detailed letter : This item is an overcharge and needs to be corrected I am requesting a refund for an overpayment of amounts paid over to XXXX XXXX XXXX XXXX for the following reasons Citibanks response was as follows : we are unable to assist you because you received the services for which you contracted This is a violation of consumer rights because it not address the main issue of our dispute being an overcharge/overpayment. It was also illogical as it had not addressed our primary reason I have made over 3 attempts to obtain the documents that merchant has sent to Citi but so far Citi has not provided these documents.

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 2022-08-06
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 we lived in an apartment complex, and were in our last month of the lease. During this time the unit was flooded by a leak from another unit, and cause damage to our unit including all of our furniture. It was also during this time that there was a change in management companies. We attempted to explain the situation to the new management company, but they refused to accept anything less than us paying for the damage. We refused, and it was turned over to a collection agency. I again disputed the debt with the collection agency, but they refused to listen. At the time they were given pictures, and documents as proof of the damage, but still refused to accept nothing less than us paying for damages to the unit. We lived for several month with a large hole in our bathroom wall due to this issue. We do not believe this debt is owed by us, and believe false information was used to create the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: SUNTRUST BANKS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018, I became unemployed. I immediately began looking for a new job, but by XX/XX/XXXX I realized it would take longer than I hoped. I filed for a forbearance program with my mortgage lender in XX/XX/XXXX, and was approved for XX/XX/XXXX and XX/XX/XXXX - although no one is sure why it wasn't 90 days instead of 60. Immediately there began to be problems, as one arm of the company was calling me and sending letters even in XX/XX/XXXX, saying that I was behind in my payments.

In XX/XX/XXXX, I spoke with the loan point person who said it was time to reapply for the forbearance, since the 60 days was nearing its end and I was still looking for work. I submitted my paperwork, and it was received by XX/XX/XXXX. However, no one at SunTrust actually looked at the paperwork, as I was told later that since the program was not " officially over '' meaning the program ended at the end of XX/XX/XXXX, I was supposed to have submitted my paperwork on XX/XX/XXXX. So the XX/XX/XXXX application was never looked at, even though they received it.

By the XX/XX/XXXX I was again receiving calls now saying that I was overdue for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, and this was also reported to my credit. I resubmitted the packet and it was approved again, and I have had a forbearance that ran through XX/XX/XXXX. 

By then I had found a new job, but it was in XXXX, Arizona, so I was looking to sell the house and move my family. But SunTrust had not only reported the month of XX/XX/XXXX as late, and then as a 60 and 90 day late, ( which they did finally admit was their mistake ) but now has reported the entire XX/XX/XXXX-XX/XX/XXXX as delinquent. I was working on a new 90-day trial loan modification, and am more than happy to fold those payments into a new loan, but I would rather sell the house, and move my family to where my new job is. But this whole thing has so decimated my credit score, that SunTrust is holding me captive, since I can not qualify for a new loan. 

And anytime you try and talk to them, they point to a different department and say " You need to call them. '' And every time you try you speak to someone else who has different information.

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 2018-06-28
Company: Risecredit, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to RISE  ( www.risecredit.com ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/2018 per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/2018 I have not received any response from RISE, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e RISE and credit bureau ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Investigation into two items on my credit report was requested on XX/XX/21. As I was told it takes up to 60 days to recieve a follow-up on the status of my investigation. I never received any notification. None by email nor mail. I sent a follow-up letter on XX/XX/21 and still have yet to receive a response. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name entered wrong : XXXX XXXX- remove Never stayed at address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation