BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I had to change the deposit account where my mortgage payment was pulling from. I contacted Flagstar and informed them of what I was doing. They said that the current month should be paid for their system to allow the change. I paid in advance {$1100.00} on XX/XX/XXXX. Days after I believe, I set up ACH to pull half of my mortgage every other Friday to the new deposit account and went through just fine. I realized after that I did not cancel the prior ACH payment for {$860.00}. I contacted Flagstar I believeXX/XX/XXXX, and they said that they are not seeing the payment which is understandable as it was scheduled to pull on XX/XX/XXXX, but I am no longer able to cancel with my bank as it was already systemically initiated 2 days prior to the scheduled date. Finally, the unintended payment of {$860.00} posted on XX/XX/XXXX I reached out to them to refund the overpayment and they advised me to fill-out a form and send back to them. I did what I was told and emailed the filled-out form on XX/XX/XXXX The form was Flagstar 's ACH Refund Form. It had details of the payment and where it will be sent which was the same account where it came from. They responded XX/XX/XXXX, requesting for a copy of my bank 's history ledger showing that all payments made to Flagstar have cleared. And if I have a negative balance, to confirm with my bank first that the payment will not be reversed. I responded by asking why they are asking me for proof that payments have cleared when the payment had already posted in my account for days. Today, they sent me the same email response. The unintended payment posted 8 days ago on my mortgage and they are still asking for proof that it has cleared. Flagstar is unwilling to return the duplicate overpayment when they already received the ACH payment of {$1100.00} on XX/XX/XXXX, the same day the overpayment had posted on my mortgage. Please help.This bank is not servicing their customers in good faith. What they should be concerned about is if they refund the overpayment, will it result to my mortgage going in default ; and obviously will not as ACH had been set-up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One took {$3600.00} out of my bank account as a payment for one of my credit cards. I did not authorize this transaction. The payment was supposed to only be {$110.00}. I have tried 3 different times to be refunded. They admitted it was their error, contacted my bank to make sure it cleared my account, but now keeps telling me the refund department is behind in their processing. It only took 2 days for them to take the money and it's been 10 days and still no refund. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2021, XXXX sent an email on a closed account over the weekend, a tactic and form of harassment, the object is send something that the costumer can't respond to while he/she is trying to enjoy the weekend. They are claiming a debt that is not there and want me the clear it up over the weekend. ( answer to your question why I choose to deal with it on the weekend? To stop them send it on the weekend. Are you saying I should be forgiving over the weekend. Even if they can reach out to me at XXXX XXXX  Saturday mourning, XXXX XXXX  Saturday mourning or those times on Sunday and that is ok just wait to Monday ) ( Your 2nd arugument is to just block or delete, the answer to that is think of their message as XXXX they send it, I delete it, but I or my children still saw it, so what good is it to do that ). To restate they send and asking me questions on a closed account and I see that as harassment. This is the 1st step legal is next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Purchased a XXXX XXXX bed on XXXX/XXXX/15. Purchase price was {$6900.00}. As part of the transaction, I agreed to 36 months of interest free financing with Synchrony Financial. Because of sales for the product XXXX, XXXX XXXX agreed to reduce the balance to {$5800.00}. Got my first statement for the Synchrony account today and the balance due is {$8800.00}, way more than I agreed to pay when I purchased the bed 30 days ago. I 've reached out to Synchrony and XXXX XXXX with little success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit Management - XXXX Contacted my spouse whom I am separated from, who was not on the account! Gave him the details of my debt of {$1000.00} + dollars and that no payment has been made since XX/XX/2021 and asked him to make the payment. 

This is plain wrong- please do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent out a Validation letter to XXXX XXXX, to validate the debt was mine and to receive a signed contract, On XX/XX/XXXX, I receive a letter of summary of what they say I owe but no signed document, that same day I sent out the second letter asking for a signed document and letting them know that this doesn't not validate or verify. On XX/XX/XXXX, I received the same thing again but this time including XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i had called bank of america to order a new card and to file a dispute and the fraud department is blocking my account and refusing to let me access my account and funds

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 2022-07-14
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:
I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called XXXX, XXXX, and Equifax after I purchased a credit report fromXXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : $ XXXX : XXXX  XXXX my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer. 
A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by XXXX, XXXX, and Equifax not blocking theseitems are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I wrote to them for them not to call me during working hours or to my job. They dropped off a collection letter at my work and they keep on calling me repeatedly during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX  XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/2019, account ending in XXXX and XXXX under my husband 's name, XXXX XXXX and account ending in XXXX and XXXX under my name, XXXX XXXX, was determined by Bank of America to have a balance. After the bank completed their investigation and verified it, the Bank of America closed the accounts and refunded us the balance via cashiers checks. A total of four cashier 's checks were sent to us upon the closing of these accounts but I was not able to cash them because they expired. Letter from Bank of America XXXX Reference # : XXXX ( XX/XX/2019 ). 

I send letters to the bank but they never responded. I called several times and left messages but the messages were never answered. I would like your help to get the balance owed to me by having Bank of America re-issued the checks or cashier 's check credit to me. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2022-10-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Billing amount is not accurate - Correct amount XXXX Billing date is not accurate - Correct date XX/XX/18 Incorrect account # - Account number ending in 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 2019-03-19
Company: Experian Information Solutions Inc.
State: OH
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:
In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX  in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I feel as if my student loans through Navient have severely crippled my ability to progress as an adult and move out as the interest is overwhelming and leaving my future handicapped in a difficult job market. Now that a lawsuit is surfacing I feel that I have been robbed and taken advantage of as a young adult trying to better and further his career / life. I hope that something can be done to reduce this stress and amount of monthly interest. Every night I sleep I lose at least XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-07-14
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 submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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