BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 made my payment on time using the Bank of America phone pay system. 

I entered the correct bank information routing and account numbers. 

There was a problem with the account number when Bank of America presented the payment to my bank XXXX. There were to many zeros ( XXXX ) in the bank account number therefore payment was returned. 

I was never notified by either Bank of America ( credit card ) or XXXX ( payment bank ) Bank of America reported this payment 30 days late.

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 2018-12-10
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was put on XXXX  XXXX so I couldn't afford to pay mortgage so I started sending small checks so the amount I was behind would not continue growing in a rate I could not recover from and the mortgage company sent my checks back uncashed so I fell behind 4 payments. When I was able to go back to work at a new job, I resumed paying my mortgage in XXXX and Mr. Cooper refuses to post that money against my mortgage - instead they are putting my money in an unapplied funds account and they have their lawyers trying get judgements against me. I have made a payment in XX/XX/2018 and XX/XX/2018 and they are still claiming I haven't paid anything since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.

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 2019-06-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX {$120.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this account was disputed with XXXX and was removed from credit report. few months went by and XXXX as sold the account to a collection agency who as reported that I owe them money when I've never been in business with said company which is CREDIT MANAGEMENT LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XX/XX/2020 TRANSUNION - XXXX XXXX XX/XX/2020

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 2021-11-05
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVIC XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi offered flex-pay offers directly on their website for specific transactions with varying interest rates and payment periods ( i.e. number over monthly payments ). They recently sent an email informing me that I needed to update my monthly payments to ensure flex-payment would not pay off as part of paying my monthly balance in full. I completed this, but there was an issue with the system, and the account balance + flex payment plans were all paid off. They charged me the full amount of the interest ( ~ {$200.00} ), even though they paid off all of the flexible payments early. Also, one transaction ( rent ) incurred an additional transaction fee of {$40.00}. 

I called ( XX/XX/XXXX or XXXX ) to have the flex plan system mistake to be corrected and have the original plans re-instated and they refused. They also refused to credit all of the interest or the portion remaining on future, canceled payments. 

I informed them if this happened to me, it must be happening to countless other customers. I informed them I would be submitting a report to the FTC. They informed me they would investigate and report back on XX/XX/2020 and I have not heard anything 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 2020-11-28
Company: BlueChip Financial
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX contacted me in XX/XX/2020 about a payday loan on behalf of Spot Loan for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called XXXX XXXX and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called XXXX XXXX  to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
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:
On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with XXXX XXXX XXXX and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.

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 2020-11-28
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This has been an ongoing issue since 2018. My next step is to file a lawsuit against Experian. Experian is reporting a balance of {$12000.00} with a company called XXXX  XXXX XXXX. I received the official statement from the original creditor which is listing a balance on {$3500.00}. These two companies obviously can not have two completely different balances. I have sent multiple disputes that have came back inaccurately as verified.This is a violation of my consumer rights. you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks :

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 2023-02-17
Company: Flandreau Santee Sioux Tribe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from XXXX that a collection was added to my credit report through XXXX XXXX and associates with original creditor vip loan shop on XXXX XXXX, XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from experian, i had no knowledge of vip loan shop. I have never taking out any loan through vip loan shop. I have no knowledge of this account. Prior to contacting experian about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, 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:
To whom it may concern on XXXX XXXX I have asked XXXX XXXX XXXX  to provide me with the information needed to prove that I owe them. I sent the letter to them with certified receipt. I did not receive a response from their company only more incorrect reporting from XXXX XXXX XXXX. I also sent a letter to Equifax, XXXX  and XXXX asking them to validate this account and to cease all reporting until this is verified. XXXX  provided me with notification that this account was removed due to it not being accurate and unverified, while both Equifax and XXXX  continue to allow this account to linger with unverified and incorrect information that don't even match. It is my right that my information be true and accurate across the board by these credit bureaus and not be ignored.. Both Equifax and XXXX  have violated my consumer rights by allowing this erroneous reporting. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me neither by Equifax or XXXX nor XXXX XXXX XXXX. Please see attached certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete please be immediately investigate and update it on my report. 
XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$8100.00}.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo always charges a bunch of overdraft fees, even if you stop or put your card on hold they will still let things get charged. They will let a {$5.00} charge go through and then charge you XXXX and keep letting it happen till you owe {$300.00}

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 explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: XOOM CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated bank deposit transfer via Xoom of US {$990.00} to a recipient in XXXX XXXX, transaction # XXXX. On XXXX XX/XX/XXXX, Xoom reported the transaction completed. The recipient has consistently stated the deposit was not received. I have contacted Xoom by both email and telephone multiple times. Each time, they simply state the " transaction was processed successfully. '' I have asked for proof of deposit along with details of the account where the money was deposited. They have yet to provide proof. Instead they insist on the recipient providing a bank register/statement. Today, XXXX XX/XX/XXXX, I received an email from the recipient 's bank manager stating the account has been closed since XX/XX/XXXX. I forwarded the email to Xoom and again asked Xoom to provide proof of the deposit. In response, they again refused. My recipient must have provided details for the wrong account, since it had been closed but I am unsure why my recipient provided details for a closed account, but how is it possible to deposit funds into an account that has been closed for three years? And why is Xoom resistant to providing evidence and proof of the successful deposit? I have provided Xoom with the bank managers email account so they can contact the bank directly, but Xoom appears to refuse to take any further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-25
Company: CMRE Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018, I paid in full a debt from XXXX XXXX XXXX XXXX XXXX over the phone with CMRE Financial Services, at XXXX. The amount was {$120.00}. I was told that it would be removed from my credit report but it is still showing up under collections. When I followed up with a call recently, they were very unkind and responded as if they could not follow through with removing this from my report. Please help! 

Their website is http : //www.cmrefsi.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Western-Shamrock Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an Unauthorized Hard Inquiry on my XXXX credit report from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an old credit card with Navy Federal Credit Union, it was closed on XX/XX/XXXX. On XX/XX/XXXX, Navy Federal made an unauthorized and fraudulent payment on the account, just 10 days prior to the end of the Texas Statute of Limitations in order to extend the length of enforced collection on the account. 

I did NOT and would NOT have made a payment nor did I authorize such a payment! This is blatant fraud on behalf of Navy Federal Credit Union. I demand immediate action, this is a fraudulent and unauthorized payment with malicious intent. 

This is blatant fraud for the purposes of predatory collection. 

Furthermore, I demand action be taken against Navy Federal for their predatory action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They told me 50 minutes before they sold my house that I didnt qualify

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 2021-11-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having a problem getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to XXXX free credit report annually. Furthermore, I want XXXX XXXX, Equifax and XXXX to release my credit report to all lenders, creditors, banks and credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I was referred for the American Express XXXX XXXX XXXX XXXX and was subsequently approved with an offer of XXXX membership rewards points after spending {$5000.00} in 3 months. I met that spending threshold and reached out and was told first that I was ineligible because I previously held this Card, I advised the agent that I had never had the card and that I never had any business card with American Express. Then they told me I was not eligible due to rewards misuse. They told me that when I apply it will tell me if Im not eligible, I did not receive the alert showing me I was not eligible and therefore submitted the application which resulted in both a new account and inquiry on my credit report. I then shifted my business Spend to this card, which American Express benefited from the processing fees/charges. After the Spend was met they advise I am not eligible for the bonus. I find this to be deceptive marketing and they should have to notify consumers prior to spending their money for the offers they are marketing for. I fully expect the promotion to be honored, as I would not have opened this account with American Express if I were ineligible.

Company response to consumer: Closed with explanation