BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: OH
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 credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had received a XXXX XXXX card and needed to empty the card and deposit the funds into my acct.. I entered the branch location at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and was met with XXXX, condescending treatment.. 

I made an attempt to remove the funds, however the XXXX agent with the dreds was not being helpful, requested that a Mgr get involved.. I have the pin code on the XXXX card, have my BOA debit card, know the access code and everything.. However, I was refused service and pushed off onto the ATM machine inside. I had difficulty with the machine and left flustered and abandoned by BOA.. 

I was able to retrieve funds, however I was charged ATM access fee when, if properly assisted, could have avoided this service fee ... Additionally, due to this problem & impotence of the banking center agents, I failed to get $ $ into the acct timely and now suffered a {$35.00} overdraft fee ... 

Additionally, I am still being debited {$12.00} account fee on both checking accounts ; when I was once given free checking, safety deposit box ... etc due to my Platinum mortgage status. These fees are egregious and XXXX XXXX evident of need to reform the banking industry.. I strongly believe put all banking in prison, " We the People '' are sick and tired of being bled dry!!

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 2018-04-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/XXXX, Caliber Home Loans has placed a fraudulent Notice of Trustee Sale on the door of my home. My elderly parents are very upset since this case is presently pending before the Bankruptcy Appellate Panel ( BAP ), therefore any collection activity was in violation of Federal Law. We attach a copy of the Appeal filed on XX/XX/XXXX since all Pre and Post-Petition Bankruptcy payments have been paid since XX/XX/XXXX Also, we have still not received a correct updated history of all payments made on this loan since the year XX/XX/XXXX. Nor have we received a correct XX/XX/XXXX for XX/XX/XXXX& XX/XX/XXXX, and information regarding the different investors including, XXXX, XXXX XXXX XXXX etc. We have two different signed NOTES and would like to know which is the original? None of these issues have been addressed per RESPA, FDCPA, etc. and we would like the CFPB to intervene. From what we understand XXXX XXXX   has just been fined $ XXXX for unlawful foreclosures and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Lowe 's consumer store card for more than 7 years. In that time I have always paid my monthly bill in full and on time, never late and always paid each payment in full. XXXX XXXX who handles the accounts for Lowe 's, has decided too close my account due too perception. I am recovering from some other bills and fell behind on some other accounts which adversely affected my overall credit score.how can they do this? When I have been a good customer and always paid the bill in time in full. Closing my account affects my credit score, how can this be right. I as the consumer abided by all the terms of my lowes card, again I paid it each month. How can they just close the 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 2021-04-05
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX, Equifax started reporting inquiries that I hadn't authorized from multiple entities. I reached out to equifax multiple times via phone to remove these inquiries and got no help. I, also, furnished them the information that was asked of me to get these inquiries removed. Upon calling them after this, I was told they would not be able to help. I recently sent a certified mail to Equifax regarding these inquiries and stated the US Code that mandates that all unauthorized inquiries be removed, to include the inquiries at hand. The certified mail receipt shows that the mail arrived at XXXX  XXXX  in XXXX GA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Remitly, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXX XXXX  XXXX/XXXX  {$450.00} USD After sending the money it reads and i got deducted and then all of a suddenly my transaction is been cancelled and am been refunded back into my account. i contacted remitly agent on phone and they told me it was because I already had two different types of account in my name which was suspended so, That was why my transaction wasn't going through but i should rather contact the Consumer Financial Protection Bureau so that they can assist on my transaction. Well, i used remitly once, but didn't know what happened and my account got blocked and i tried creating a new account and that also got blocked and just recently i decided to create one and speak with their customer care representative on this problem but this transaction not going through is that you guys had to cancelled it so they asked me to contact you for an assistance first and so i need your help on this to make my transaction successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
have been a Nordstrom customer for more than 10 years and a Nordstrom credit card holder since 2015 this past week they restricted my account and asked me to send a copy of my Drivers License, SS #, Utility Bill which I complied, Today I called Nordstrom Card Services and talked to a really rude lady to tell me whoever reviewed my documents can not verify them this is something I have never heard before at the beginning of this month I applied for the XXXX Card and they asked me to scan my license and verified on the spot how a person can not do the verification with the documents on hand? 

This has been one of the most frustrating experiences I have ever had with a credit card account and they are really rude and not even attempting to help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/18 : I was notified by email that my checking account was negative XXXX. The branch is closed but the ATM machine is open. It is down for accepting deposits today. I have a photograph of the deposit feature unavailable if you need it. 

I had XXXX $ cash in my hand to deposit so not only would I have covered the negative balance, I would have had additional money to cover direct debits that might hit my account from now until Monday morning when I can walk into a branch. The nearest branch right now is 40 miles away and I dont know if their atm is down for deposits too? This is the fourth time this happened to me at that location with Wells Fargo on a weekend. 

I called their XXXX number for customer services and asked if an automatic payment was going to hit my account from now until Monday morning at XXXX if they would reimburse me the overdraft fees. He said no because I have autodraft on my account. I said yes but I also SHOULD have the ability to deposit cash and you denied me of this. If you deny me deposit then charge me overdraft fees, that is illegal. 

This bank has done this to me numerous times.

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 2018-10-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I called in and made my payments to you when I received my statements. I got a confirmation that the payment was received. I never got any phone calls or notices that the payment was not received for any reason. This is inaccurate and not my fault. I need you to immediately remove this false late pay from my credit or I will get an attorney involved.

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 2018-07-19
Company: SYNCHRONY FINANCIAL
State: GA
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:
There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

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 2018-06-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past 6 years I have been filing many complaints ( reminder, I am legally XXXX And XXXX yrs old with many XXXX related illnesses that can cause severe affects due to ongoing and constant XXXX ) with you the CFPB and have sent in so many documents regarding so many wrongs done to me by XXXX XXXX XXXX XXXX XXXX. Here is Another, the accounting has been once Again played with by XXXX XXXX XXXX XXXX XXXX. Now also in regards to the " escrow account '' ( I pay my own ) and I only stopped making mortgage payments ( XX/XX/XXXX ) after 29 years of regular payments since obtaining of my proof of fraud on XX/XX/XXXX in regards to the note and mortgage original documents being Falsified and my signature forged. XXXX XXXX XXXX XXXX XXXX is aware!. Please see the uploaded " accounting '' of the so called escrow account. Again I paid Regular payments until XX/XX/XXXX due to new proof of evidence of fraud. Please compare the figures, one says I owe over {$1000.00} and the other says {$29.00}. Also my credit has been Dinged by XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when they started harassing me by sending a person to spy on me at my home once a month calling it " Corporate advances '', and monthly charging me for " Inspection Fees '' still going on. The dinging of my credit is and has been going on that long! causing continuous damages and still continues! Please see most recent upload regarding " credit dinging '' even though the foreclosure process has been put on Hold, due to the enormous illegalities of this Attempted illegal foreclosure. Please see all attached files. I tried to upload more from my credit monitoring XXXX XXXX but ran into technical difficulties, but it goes from XX/XX/XXXX through to XX/XX/XXXX my credit being dinged for major derogatory by XXXX XXXX XXXX XXXX XXXX. If need be I can contact this company for a more complete and detailed proof of this ongoing and regular dinging of my credit causing more And more damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2017-08-01
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with a local bank. The bank sold my mortgage to XXXX. XXXX in turn, sold my mortgage to Greentree who then sold my mortgage to DiTech. Since Greentree and DiTech squired my mortgage, I have accrued fees that are not applicable to me. DiTech sends numerous " invoices '' monthly with different amounts owed each time. I can not configure their amounts due nor can I figure out their billing strategy. As of XX/XX/XXXX my mortgage was to be XXXX. I send XXXX. This covers a late fee of XXXX. The remaining XXXX should be applied to my balance. It is not being applied to anything. My mortgage was to be XXXX until XX/XX/XXXX. This was not the case with DiTech. They started billing XXXX in XX/XX/XXXX. They then raised the payment to XXXX in XX/XX/XXXX. My estimation is that I owe nothing but my monthly mortgage to DiTech. I am not in arrears. My " funds in suspense '' should cover any and all late fees. Yet, they want to charge interest on my mortgage when all fees have been paid and then some. I can NEVER contact a manager. They call me all day long. I have blocked over 50 phone numbers. I want to call THEM and speak to a manager. They make it all but impossible to do that. Always transferring you to a voicemail. Was n't notified that my mortgage was being sold to a debt collection agency. I did not authorize nor would I approve of this action. Debt collection is for a debt that someone is n't paying. I 've paid my mortgage for 15 years, faithfully with a bump or two in the road and I always made good on possibly being late or missing a month. This all occurred many years  before DiTech. XXXX paid XX/XX/XXXX for years because my birthday is in XX/XX/XXXX. I have checks for all months that DiTech claims non payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: HI
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:
In XXXX XXXX offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from 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 2018-03-30
Company: ALCHRO 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: Account information incorrect

Complaint:
Between XX/XX/XXXXand XX/XX/XXXX, I paid off the bill of {$75.00}, in its entirety, to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and it appears that the information was not removed nor did I receive a receipt of payment stating that I paid the bill even though my bank statement proves that I paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: FIDELITY CAPITAL HOLDINGS, 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:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} Fidelity Credit Acct # XXXX Bal {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: NAVY FEDERAL CREDIT UNION
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:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report in XX/XX/XXXX and the following accounts were not listed on my credit. I just pulled my report for XX/XX/XXXX and the accounts are listed on my credit report XXXX XXXX AND XXXX I WANT THESE ACCOUNTS REMOVED AS THEY ARE NOT MY ACCOUNTS. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS

Company response to consumer: Closed with explanation