BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, My Experian credit report is inaccurate. I have disputed numerous times on phone to Experian and more FCRA violations by Experian for not reporting correctly. 
They are:1. I have no account with late payment. 
XXXX to remove XXXX XXXX XXXX XXXX XXXX I have and there is no Contract or Assignment signed by me with XXXX XXXX XXXX XXXX. Doesn't exist. Experian is to remove at once. Experian has no valid reason to keep on an account that is not mine. Experian has no proof. Experian per FCRA is to DELETE this account from my credit report now. 
3. Experian refuses to record all monthly payment amounts on " actual payment made line '' for XXXX XXXX XXXX, 2 XXXX XXXX accounts. It says on all 3 " no data or 0. 
4.On XXXX XXXX XXXX XXXX XXXX date payment received line is all inaccurate. Months of car payments missing are : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Actual amounts paid are all missing. I know XXXX is reporting accurately. 
XXXX XXXX # XXXX ... XXXX XXXX for XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX missing. All date payment received are all incorrect. Actusl amount paid all missing. 
6. XXXX XXXX # XXXX ... .Account Balance missing:XXXX,XXXX,XXXX, XXXXDate payment received line is all inaccurate. Actual amount paid all missing, says '' NoData ''. 
7. XXXX XXXX is not my hard inquiry. Previously disputed. Delete it. 
8. Remove all soft inquiries older than 2 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 2019-11-14
Company: Recovco Mortgage Management, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX fraudulently increased the interest rate of the original lock confirmation 5.385 % provided by my loan agent, XXXX XXXX, XXXX XXXX XXXX to 5.76 %. They did this close to my closing date and refused to lower my interest rate. 

Following is the lock confirmation my loan agent, XXXX XXXX XXXX XXXX XXXX  confirmed on XX/XX/XXXX : ( Unable to upload necessary documents onto your platform, tried multiple times. I just uploaded documents in the upload section, please review. ) Talk to my loan agent from XXXX XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. The address of XXXX XXXX is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( office number XXXX ) Through email communication with my loan agent from XXXX XXXX. I came to know XXXX XXXX, the contact person handling my loan at XXXX XXXX. She is one of the persons at XXXX which my agent, XXXX XXXX, communicated with in addition to the investor also at XXXX. XXXX XXXX email is XXXX in correspondence. Her address is Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX  XXXX XXXX XXXX, XXXX TX XXXX, phone number is XXXX and XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. 

XXXX XXXX is the assistant to XXXX XXXX, Vice President - XXXX XXXX. 

The name and address of the mortgage company is as follows : Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX They were contacted by my loan agent several times to decrease my interest rate from 5.76 % to match the lock confirmation interest rate of 5.385 % prior to the date of my close, I closed on my condo XX/XX/XXXX, but XXXX refused and did not decrease my interest rate. Even until now, they have taken no action. This the reason for the filing of my complaint. They have taken advantage of me through fraudulent predatory lending practices, and I want justice. 

I want have all my mortgage debt with XXXX brought to a {$0.00} balance actually. Because their actions are so egregious. This is the same type of fraudulently practices that led to the previous financial crisis of XX/XX/XXXX-XX/XX/XXXX. Thank you for help me in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pnc bank account my account number checking XXXX they took my checks I deposit in the atm I deposit three checks with my account number on the back of the check and my routing number on the back of the check and sign it to I receive the receipt then to for them my social security checks I deposit the account is close now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi My situation is much complicated and I tried everything I can to resolve it with the debt collectors and company, I have 4 closed accounts Capital one, XXXX, XXXX  XXXX and XXXX XXXX, a total debt not exceeding XXXX, these accounts were open with my identity 2 years ago, I was not aware of them, they were actually being paid on time for the first 3 or 4 months, then stopped, I came to realize that my Brother who looked exactly like me was responsible for these accounts, I was not aware of it at all and I did not give permission to my brother to open these accounts! I tried disputing these with the bureaus and they are not showing any kind of effort or knowledge or even care, they are determined to collect these debts, I even tried paying some but eventually I realized that Im not responsible for this! Please help. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: VA
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:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a 34 year member to Navy Federal Credit Union and I am trying to refinance my current NFCU home loan in California in order to take advantage of the historically low rates. Since XX/XX/2020, NFCU has repeatedly processed the wrong type of loan three times causing me to have to reapply for a fourth time. My credit rating score is XXXX, my home has been appraised at {$420000.00} my current mortgage equals {$230000.00}, I am a retired XXXX XXXX XXXX and current XXXX XXXX XXXX worker with over 10 years of service. 
Having said all of that, NFCU keeps revising the loan documents and asking me to re-sign or repeatedly asking me for the same documents over and over seemingly in an attempt to delay the loan processing. Since XXXX I have e-sign to close this loan over XXXX times! It is odd and doesnt seem like NFCU is acting in good faith to close this loan. Just today I was notified that I need to pay for another termite inspection because they have taken longer than the VA required 90 days. This is outrageous. I have called and left a message for the supervisor of mortgage processing, but no one has called me back. NFCU has run my credit 4 times knowing full well that each time that its run it negatively impacts my score. Please assist in what should be a simple process. 

Thank you XXXX XXXX XXXX XXXX XXXX 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 2017-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was out of town in XX/XX/XXXX for my birthday only used my card to rent a car and at XXXX XXXX. Capital One sent an email to state that there was suspected fraud on my card which in fact it was. I live in XXXX was traveling in Virginia a supermarket in New Jersey tried to put through a charge for {$100.00} I let Capital One know the charge was fraud, they shut down my card credited the amount back I was just waiting for a new card. I had the new card number and tried to pay a bill but was declined when I knew I had the funds. contact the bank only to be told two different stories. The first is that the recent payment I made was on hold, then that the fraud credit was on hold. I reviewed me account to find out the merchant adjustment the charge on XX/XX/XXXX capital one sent me a letter date XX/XX/XXXX stating they were refunding my account to get it back to normal needless to say they are still holding my money. They have been made whole again I was told they have the right to hold the funds for up to 60 days BUT why when you have been made whole as a bank and are holding my funds for no apparent reason. If they want to investigate the merchant that fine, just remove me and my funds from the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XXXXXXXX XXXX XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/2017 to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very rare medical XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.

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 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-11-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX To Whom it May Concern, Im writing because I have a major concern with an issue with your servicing of my loan and reporting to the credit bureaus ( specifically XXXX  I believe ). I previously had a mortgage in which you serviced ( loan # XXXX ) that was paid off in XXXX of 2017. I have recently applied for a new mortgage and was told that I could not qualify as I had three 30 day lates on my this mortgage dating XXXX, XXXX and XXXX of 2017 ( see attached credit report page ). This is an obvious mistake as Ive never been late with my mortgage let alone any other bills, and I need this rectified as soon as possible. 

I have provided proof of the XX/XX/2017 mortgage payment. In XX/XX/2017 we sold the house and received a payoff statement ( also included ) that included XXXX payment ; the closing occurred XX/XX/17 ( which is also attached ). So logically if the payment is due XX/XX/17 there is no way it could be 30 days late ( this isnt even including the 15 day grace period your company provides ). Obviously the XX/XX/2017 30 day late is completely false as the mortgage was paid off XX/XX/17, so Im unsure how that is even possible. 

I have tried several times to speak with customer service reps in your office who have told me they do not have any access to my loan as it has been archived, which seems ridiculous to me as the loan was closed less than 12 months ago and you reported the late payments to the credit bureaus only recently. I work in finance and soft pull my credit report randomly and did so not more than 2 months ago prior to searching for a new mortgage/house and the late payments were not on there so this happened recently and Im unsure why they would appear just now as the supposed late payments were from XXXX. 

I understand mistakes occur in business, but I need to have this reconciled as quickly as possible as I need to get new housing as I dont have any other options. I was very surprised to see these lates show up and obviously they greatly affected my credit score. Please let me know whatever else you need from me or what/if anything I can do to expedite this reconciliation. I need documentation from you verifying that there were no late payments as quickly as possible and then I would need you to contact the 3 credit bureaus indicating the same to have these lates removed.

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 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called in to get pay off balance and close my CC account with bank of america. The rep said I owed {$.00}, so I did an online transfer, which she saw, and said I didn't owe anything else and the account was closed. One week later I receive a bill for {$16.00}, so I called and they said I owed the money. I explained what happened when I closed the account, and the rep said the original rep was wrong, and I still owed the {$16.00} regardless. It's not the amount, it's the principal. I was told it was paid off and closed and now they are trying to get more money from me. It's just not right. I've been a good customer with no late payments and good credit, and I don't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card company double charged for a product I purchased with the card. The purchase was made XX/XX/XXXX for {$640.00} and the same charge was duplicated on XX/XX/XXXX. I disputed the duplicate charge and the company continues to demand that I pay for the product twice. I contacted the company where I made the purchase and they claim they haven't been payed yet.

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 2020-07-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX i faxed a letter to Experian about inaccurate, non verifiable bankruptcy information reporting on my credit report. it is now XX/XX/XXXX and still no letter, no email, no response, no change in my Credit Report. I also sent the same letter, on the same day to XXXX, and XXXX whom responded and removed that information from my report.

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 2020-07-17
Company: DISCOVER BANK
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 had a late payment for {$8.00} in 2018 XXXX, I used to have auto payment directly from my bank 's checking account. However, since back then I was back in school and I was having a really hard time balancing between school and work, I did not have sufficient funds in my account and I missed one single payment for {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Strategic Alliances, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call today from a debt collector from this agency regarding a debt they claim I owe. I initially could not get to the phone in time so I called the number back. I was informed they were trying to collect a debt. I told them that I would prefer not to be called but would instead like to correspond via email or mail and asked for written confirmation of the alleged debt be sent to my home address they have on file. The collector said that the collection calls would continue and insisted on me submitting a post-dated check for the full amount of the debt to which I refused. I again stated that I would only deal with this matter once I received validation of the debt and they again reiterated that calls would continue. In addition this debt collector is This is not acceptable and therefore I am formally filing complaint against the collection agency and again requesting validation of the debt be sent to my address they should have on file. Once received and verified that this is indeed a debt I owe then I will make arrangements to satisfy the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation