BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! XXXX, EXPERIAN, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...

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 2021-11-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 5 student loans from Navient and loans have been in forbearance. I have access to credit bureau apps now and have noticed that I have student loan lates from XXXX. My student loans were in forbearance and I sent an email replying Yes to keep in forbearance to keep them that way. I have always been proactive to keep loans in forbearance and have also proactively entered a repayment for XX/XX/XXXX. I had to call to resolve this after receiving mail it was not in forbearance and this was resolved but the lates still appear on my credit report. This is the only negative item on my credit report and I do not want this to impact my creditworthiness as I am now looking to buy a home. Please remove incorrect lates from report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: TN
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 asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.

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 2018-12-21
Company: Lending Club Corp
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After reviewing my Note, confirming that my loan accrues interest daily, On XX/XX/2018, I attempted to make my monthly payment prior to the due date, to save interest. There is not a way to accomplish this on the website. So I sent an inquiry to the company via electronic message, asking them if I could make my monthly payment prior to due date. They explained that I can not make my payment before the due date. I have to wait for the payment to be drafted on the due date, but I could make an additional payment that would apply only to principal to help pay my loan off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2018-06-05
Company: FIRST OHIO HOME FINANCE, INC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we were given a pre-approval letter for {$130000.00} for an FHA home loan from XXXX XXXXNMLS # XXXX Ohio # XXXX. This was after submitting all the documentation on First Ohio Home Finance 's website and submitting additional paperwork requested by XXXX XXXX including 2017 XXXX, two recent pay stubs and 2017 return. 

On XX/XX/XXXX after looking at some houses and meeting with our realtor, we decided to request to see if we could get approved for a larger amount of {$150000.00} if we provided a higher down payment burrowed from my XXXX account. XXXX requested that we send him additional paperwork, which included our two most recent paystubs and both of my child support orders. The child support orders did not differ from any information that was previously submitted to the company. 

On XX/XX/XXXX after all the paperwork that XXXX requested was emailed to him, he sent us a new approval letter for {$150000.00}. He called me to say that this comes with stipulations and that I would have to pay off a Car loan to get approved for this amount. 

After this date, we sent emails to XXXX to have him determine are all in price ( mortgage, insurance etc ) for a few homes we were interested in. On XX/XX/XXXX we asked about a home with a price of {$110000.00}, well under the XXXX pre-approval given on XX/XX/XXXX. He wrote in an email that I would have to pay off my car in order to get approved for this home. We also asked about a home at XXXX, again we said I would have to have my car pay off my car loan. 
Again my car loan was on my credit report which the company had access to before the first approval of XXXX. 

On this date he started to be more aggressive by emailing us " get into a contract on a home and we will do our best to get approved ''. 

On XX/XX/XXXX we emailed again about a home for XXXX, he said we may be able to get away with not paying my car loan off to be approved for this loan. We started to think that this company was practicing fraud and that this specific lender was falsifying information in order to get lenders into a house contract on houses they would not be approved for. 

On XX/XX/XXXX XXXX spoke with our realtor. She called us directly after the conversation. XXXX said " they will not be approved for anything more than XXXX if they do not pay off the car loan ''. 
Why did we not receive a pre-approval letter for XXXX originally instead of the XXXX? 
Why did XXXX not disclose to us that we would not be approved for anything more than XXXX if we did not pay off the car loan? 

The evidence supports the fact that XXXX was attempting to deceive us in order to get us to sign a contract on a home we could not be approved for. He told our realtor that if we signed a contract " we would figure out how to pay the car ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 I made an online purchase from XXXX in the amount of {$320.00} which was charged to my American Expess Serve Pre-Paid Debit card ending in # XXXX. They had to order it for delivery to the local store for pickup by me. On XX/XX/2019 I picked up the items from the local XXXX XXXX XXXX # XXXX. I was remodeling a bedroom and wasn't ready to install the closet bi-fold doors yet ( The items I picked up ). When I was ready to install the doors I opened the packages and discovered that 1 of the doors was damaged and both doors had a very poor finish and were not of satisfactory quality. On XX/XX/2019 I returned both bi-fold doors to the local XXXX XXXX XXXX  # XXXX for a refund of the purchase price of {$320.00} to be credited back to my American Express Service re-Paid Debit card ending in # XXXX. On XX/XX/2019 I received an email from American Express Serve stating my Serve Account ending in # XXXX was suspended due to " one or more credits were issued on your account that did not have a corresponding debit ''. This was a plain fraudulent misrepresentation. I have printed documentation from the Serve website regarding my transaction history which clearly lists both transactions. I called them numerous times since XX/XX/2019 to request this problem be corrected and was told they would submit my request to their " BACK OFFICE '' for review. Each time I have called I receive the same response. In addition I am told there is no time frame for this to be resolved and that I would receive an email from the " BACK OFFICE '' as soon as it is resolved. On XX/XX/2019 they restored the funds back to my Serve account # XXXX, however they locked the account so I would not be able to withdraw the funds and cancel my account. They told me it was still under Merchant Transaction Review. They have taken 11 days not to review this transaction and clearly can see it in my transaction history. The only method of reaching the Serve Card Team is by Phone to XXXX which connects me to the XXXX, Account Protection Service. There is NO USA number to call and reach someone who can resolve this issue. The customer service number on the card goes to a voice mail prompt asking what type of problem and never connects to a human being. It is now XX/XX/2019 and I am still waiting for my email from the " BACK OFFICE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: CA
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: Billing dispute for services

Complaint:
Since mid-XXXX I have had a few fraudulent transactions on my credit card I had with XXXX XXXX  XXXX, which I reported to them through their customer service in XX/XX/XXXX. However, they never started an investigation or provided me with credit for the fraudulent transaction. 

Due to their failure to properly investigate fraudulent transactions, I was advised by FTC to file an Identity theft report and forward a copy to XXXX XXXX. 

On XX/XX/XXXX I filed a fraud report on FTC Identitytheft.gov indicating a total of {$370.00} of fraudulent transactions prior to XX/XX/XXXX on my credit card issued by XXXX XXXX  XXXX, and I certified mailed a copy to them. 

Initially, on XX/XX/XXXX XXXX XXXX  notified me they have opened a fraud investigation, and then on XX/XX/XXXX closed the investigation indicating my credit card account was legitimately opened. This shows that once again they have completely failed to pay attention to the detail of the Identity Theft filing of " Fraudulent Transactions '' as opposed to " Fraudulent Account Opening ''. 

I have attached a copy of the Identitytheft.gov filling I originally mailed to XXXX XXXX, along with XXXX XXXX  responses, so perhaps a more responsible staff at XXXX XXXX  can review and take appropriate action. 

As it appears XXXX XXXX  XXXX, has no intention of complying with consumer FCRA rights and has deliberately ignored all efforts to properly investigate fraudulent activities. 

As I agreed previously I have paid for the charges I authorized on my credit card with XXXX XXXX  XXXX, and this account should be reported as paid satisfactorily as opposed to currently being reported as a negative item " Legally paid in full for less than the full balance ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: CAPITAL ONE FINANCIAL 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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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:
Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting phone calls every hour that started 2 days ago!!! The number that they are using is : XXXX. Today - XX/XX/2020 - they started at XXXX XXXX and have continued continually each hour. I try to answer and I'm put on a hold and then a recording comes on. I have hung up and I truly feel now that this is totally harassment on their part. 

A call each hour - that is against the LAW. It is from J/CPenney Credit Card. 

Please, please - I can't put up with this any longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BBVA Bank had bought out Simple Bank and has been contacting Simple users about the impending transition from Simple to BBVA for several months in XXXX and XXXX. 
On XX/XX/XXXX, Simple had closed its doors and ex-Simple users received an email from BBVA with a link to activate their accounts. However, when attempting to activate the new account via the provided link, users were met with " System Errors '' and could not access the new BBVA account. When attempting to call customer service, calls were randomly dropped or never answered.

BBVA came out with a statement stating that they would open their service center to assist Simple users on Sunday XX/XX/XXXX. When the lines opened that Sunday, users were met with prerecorded prompts, where someone would pretend to be a service agent for BBVA, then immediately state " Sorry, I can not hear you. Please call back '' and disconnect the call. Those who were able to get through had to wait over an hour for a representative to help them get into their accounts. 

On Monday XX/XX/XXXX, users still experienced issues with randomly getting locked out of their accounts. Users were prompted to call the service number to access the accounts again. When calling the service number this time, a prompt stating " Sorry, we are currently experiencing difficulties. Please call at a later time. XXXX. '' and the call would be automatically disconnected. 

Users were informed that during this transition from Simple to BBVA, no banking information would be changed. However, when users were able to access their accounts, they found that routing numbers did change. Users were also never informed about the myriad of fees associated with BBVA - there is a fee for calling more than 5 times a month regarding your account, and there is a fee for every transaction made with an external bank or account. According to support representatives, BBVA will not waive any fees for users who are attempting to empty their accounts and close them.

BBVA needs to be held accountable for withholding finances for more than 3 days, for completely botching a transition that was planned for well over a year in advance, for their inability to provide service to their customers, for their inability to deal with the volume of customers, and ESPECIALLY for blatantly lying to their customers with fake customer service agent recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. 

Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CREDIT ACCEPTANCE 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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a victim of Identity fraud I've provided all documentation at the police reports. i.e. Identity fraud packet from the federal trade commission and documentation that's been notarized. Navient and XXXX refuse to validate the debt they will not send me anything with my name on it with my signature saying that. 

I signed the promissory note it's been going on since XXXX is XXXX this is fraud experience is helping them commit fraud Navient won't dismiss the debt but yet still they won't validate the debt which is of a violation of the fair reporting at the committing fraud I'm taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the XXXX XXXX credit union. 

The Problem is with a previous account that i had with People 's United Bank.

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX  and XXXX  XXXX XXXX

Company response to consumer: Closed with explanation