BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX I was given a pre-approved amount for {$110000.00} to purchase my first home from a mortgage company by the name of Cross-Country Mortgage. I was later told by XXXX XXXX that he could max the loan amount up to {$120000.00}, this information was given on XXXX XXXX. I found a home that the sellers came down on the price for me, had all inspections needed completed, and paid for my appraisal. In the end my closing date was pushed due to faulty paperwork, lack of communication and wrong numbers calculated on the company 's behalf that they didn't catch until a few days before my closing date of XX/XX/2020. My realtor at that time tried to save me money and the house by asking for an extension which placed me out of my due diligence period. In the end the lenders came back with a new pre-approval amount of {$60000.00} which was extremely lower than what other companies pre-approved me for in the past. Due to this horrible experience, I missed a week 's worth of work dealing with XXXX and lost {$1000.00} dollars that I could have used for my children 's XXXX. This process has left me, and my children devastated and unhappy as we were looking to spend our holidays in our new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was debited {$2500.00} from my bank of america checking account. it is a fraud. XXXX XXXX XXXX is the company that took this money from my account.

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 2018-11-28
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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:
I have paid this account regularly for years, however the XX/XX/2018 bill was credited with both the XX/XX/XXXX and XX/XX/XXXX payment. 
I caught this situation and contacted the XXXX XXXX XXXX XXXX to see if they would remove the fee charged on the XX/XX/XXXX bill. I also expected the bank to Credit the XX/XX/XXXX payment to the XX/XX/XXXX bill, past practice has always allowed this re-credit and I had no reason to think they would not do what had been done in the past. 
The XXXX XXXX XXXX dropped the initial fee, however they neglected to reassign the payments as they were intended. 
Now my credit has been muddied and there have been threatening letters accusing me of being behind in payments. 
I am retired and on a tight budget, so the additional money The XXXX XXXX XXXX has requested would have to come from savings. I have made every payment as per our past three years of the account and believe the Bank has singled me out without cause. 
The XXXX  XXXX XXXX has demanded an extra payment and added {$70.00} in fees that I believe are unfair to me and my family.

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 2017-12-21
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Monday XXXX XXXX, I received a call from Ditech, my mortgage company advising me I was late on my XXXX payment. I advised them that the payment was sent and received on XXXX XXXX and that they were mistaken. 
I was then told that the payment for XXXX XXXX had not been received and I advised them that the payment had cleared my bank on XXXX XXXX. 
The Rep then stated that " Ditech '' had inadvertently credited my account with 2 payments in XXXX XXXX, when it should actually should have been credited one payment. They stated that I needed to pay this payment to make the account current. 
At this time Ditech has started adding late fees and Im sure my Credit Score will soon reflect their mistake. 
It is beyond me why I should pay to correct their mistake. They could not provide me any answer as to why I 'm being forced to pay for their mistake. I am current on all payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: LD Holdings Group, LLC
State: MS
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 was on Loan Depot site to get pre-approved for a loan. The website and the boxes I selected said that it will not impact your credit score and that it is only a soft pull. However, my credit was pulled and Loan Depot will not delete the inquiry. I have screenshots of every step taking as I completed the application and have provided that to loan depot. They still will not reverse it. Also, they will not send any proof to me showing that I selected anything otherwise as the website states multiple times that it is only a soft pull. I do have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted

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 2023-05-10
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called at least once a day from different phone numbers ( all from different area codes ) all tracing back to mercantile adjustment bureau. They never respond and always hang up XXXX seconds after I answer. I told the original caller that the information was incorrect and that it was in dispute, however they still call repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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:
Direct Dispute In partnership with Past Dispute XX/XX/XXXX Completed XXXX   XXXX Reported on XX/XX/XXXX {$8700.00} 175 % of Credit Limit* Item Results Result : Deleted - XXXX  has deleted the account or record from your XXXX credit report. 
Dispute Reason Accuracy : This account is involved in litigation. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please refer to XXXX   file # 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 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These very strong inquiries that's holding me back from moving forward with my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Navy Federal XXXX XXXX Currently On-time late payment XX/XX/2022 {$2500.00} Limit [ - Currently On-time ] Navy Federal XXXX XXXX XXXX XXXX {$8500.00} Limit [ Navy Federal XXXX - Currently Late ] To Whom It May Concern : I recently received a copy of my [ XXXX, XXXX, or XXXX XXXX credit report and identified transactions posted on my credit report related to my Navy Federal Credit Union accounts that appear to be in violation of federal laws governing consumer reports. 

Late Payments : XXXX. Navy Federal XXXX XXXX : Currently On-time, XX/XX/2022 {$2500.00} Limit XXXX. Navy Federal XXXX XXXX : Currently Late, {$8500.00} Limit Your company is in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance, constituting a reporting violation under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates reported transactions from both credit card accounts to my consumer report. Section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) explicitly states that transactions between the consumer and the person/corporation making the report are not to be included in consumer reports. Your reporting of this information to my consumer reports is a clear violation of XXXX compliance. 

I request the XXXX compliance disclosure regarding reporting transactions to a consumer reporting agency. 

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I demand the transactions reported on [ insert late payment date/s here ] to be deleted from my consumer reports immediately. 

I want to be clear that I am not asking for validation or verification. Do not respond with requests for validation, as it is not my intention to engage in such a process. 

Furthermore, under 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I insist that the above transactions be deleted from my consumer reports promptly. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello i been with wells fargo since XXXX. I noticed that wells fargo charged me too much interest on my credit card. I been struggling to pay off my credit card.I called the customer service and tried to see if they can lower my interest rate But they couldn't do nothing and this was on XXXX of XXXX when i called them. i needed to do something about this because i was drowning in wells fargo credit card debt. So i had no choice to get on a financial service that they provided me with 1 % interest rate and lower my monthly payments this was the beginning of XXXX XXXXi know i lost a lot of money trying to pay off this credit card for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
Nissan just reported ( XXXX XXXX ) a " 30-day late '' on an account for which I paid off the car loan with a trade-in with a local dealer in XX/XX/XXXX. How is that even possible? Plus, looking at the reported credit history, it shows inaccurate/false information ( i.e. three consecutive " 60-days-late '' marks between XXXX of XXXX. Since this latest " XXXX late '' is so egregious, I DEMAND each of these inaccurate late payments be removed IMMEDIATELY. XXXX  is obviously violating the FCRA and deliberately trying to sabotage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
Transunion will not remove the Fraudlent inquiry from my credit report. 

the fraudlent inquiry is named on my report as : XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion i have no open credit card accounts from XXXX XXXX This inquiry must be removed attched in the FTC report they must remove the inquiry within 5 days

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 2018-04-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter requesting payment for {$690.00} for a credit card. When I called that day or a week later they told me I owed a little more than that and to pay XXXX which I did. After that they said I owed an additional XXXX. I replied that I called and obtained the total to pay off and paid what they told me. Now the additional has turned into XXXX with all the fees for the past 10 years. And now out of the blue they are garnishing my paycheck for it. I wish to request a motion to vacate as there is no way I owe this much. I had nothing indicating that I owed this until yesterdayXX/XX/XXXX when I received a letter from payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act XXXX accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-10-04
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
my paypal account was frozen around XX/XX/XXXX after having the account for years, ive always had high usage, we have a store and we use paypal a lot. People pay us with gift cards and i put them on my paypal and transfer the funds to my bank or to my husband. Paypal told me that some of the cards applied to my account were reported lost or stolen and now my account is frozen with {$3100.00} in it. I believe that my account was hacked as well as there are a few transactions in there that i dont recognize and my XXXX account and XXXX XXXX accounts were also and they told me i was using a VPN ( which i dont have or even know how to use ). I have called them numerous times, messaged them several times and told them what is going on but they still will not release any of my funds. I even agreed to leave {$500.00} in there in case of any charge backs even tho i have a very low charge back rate on my paypal, but i need my money! i have copies of my messages to them trying to resolve the issue however the messages from XX/XX/XXXX have been removed but say i can access them for 90 days i just need to get a hold of them and i did but he told me i would have to reach out to their legal team to get a copy of that one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
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:
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-07-26
Company: EQUIFAX, INC.
State: NY
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:
Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX  breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.

Company response to consumer: Closed with explanation