BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing several accounts with XXXX XXXX, XXXX XXXX XXXX, and Navy Federal Credit Union that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via USPS certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question.

All request have gone ignored and not furnished from any of the companies in question.

I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX  representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

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 2020-12-20
Company: Experian Information Solutions 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:
I disputed an account on my credit report that's been on my report for over 7 years. The XXXX account that I'm referring to has been successfully disputed and cleared from my account when I brought it up with XXXX  and XXXX. I disputed this account with Experian and they refused to take it off my Credit 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 2018-12-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There is an account reporting with XXXX XXXX on my Equifax report and the account is actually past the statue of limitations. The only bureau reporting this is Equifax and they are reporting it as though it opened two years ago. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: GA
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:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a check from a tax professional that I deposited to my bank account for my state tax refund. The bank cleared the check sent me an email telling me all was good and made the funds available. A week later they reached out to me to make me aware the check I had been given was fraudulent and they were ending my banking relationship immediately because I was given a fraudulent check. I have agents telling me that this is because the bank is taking a loss and other agents advising me I am now responsible for the balance. I'm now left to scramble to change my direct deposits and with no funds even though they cleared the check and told me to shred the check. 

I filed a XXXX complaint in effort to get assistance with the issue and in turn Capital One, in retaliation, now has a SBA investigator contacting me asking me information about my registered business instead of making right what they did wrong. This same tax professional completed a PPP loan that was deposited to this account. Capital one is now asking me for my tax information or they will report me to SBA fraud. I feel like this is an intimidation tactic they have adopted due to their error. I want the harassment to stop and them to clear their mistake instead of further victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I called TransUnion twice today. I explained to the foreigner that I their customer service line would NOT allow me to order my report over the phone. He asked me for my SSN. Then he pointed me to a different website : XXXX Once he did that, I asked " Why are you sending me there, after you just asked for my SSN?! '' I informed him that I know I should be able to call and obtain it, Just Like the 2 other bureau 's!

I hung up, thinking it was not legitimate. I was scared!!! 
I can not retrieve my credit report from TransUnion. It demands that I pay $ XXXX/month. 
There is NO option on Transunion 's website to get my free report! 
They are horrible!

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 2019-05-16
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a BECU Member since XX/XX/XXXX and I had an amazing relationship with them until XX/XX/XXXX. My grandmother passed away on XX/XX/XXXX in XXXX XXXX, AR. My immediate family and I had to leave immediately to be there to handle the funeral arrangements. We were not prepared at all and wish I had been for sure. Well I began writing checks to cover expenses and thinking that my direct deposit would cover the negative balance. Well things just gotten more out of control with bills, auto repairs, and loans from another financial institution. I started getting behind more due to the emergency trip to Arkansas and caused me to either be without completely for awhile or write another check thinking again it would be covered. It all hit once my account got negative {$1000.00} and so I was warned on the XX/XX/XXXX to stop writing checks or we will close the account for 6 months. I agreed to do so then asked the lady what should I do and how can I make payment plans to get the squared away because now is the time to fix this. I never had been in a hole like that and was tired of trying to write checks to cover what I owe to pay bills plus pay debt. She suggested to stop my direct deposit, open another checking account with the same institution then switch the direct deposit to transfer funds to the negative checking account in enough payments that would eventually cover the whole balance. My job had to issue me a paper check because of the canceling of the first checking account for the XX/XX/XXXX because it takes awhile for direct deposits to process to another account. Well I received my check and did what was suggested to me. I deposited my pay check into the 2nd checking account because BECU do not cash pay checks. Well once that was done, only {$200.00} was available to me and so I called it in to verify that it is my job pay check this time and to get it cleared so I can start paying off my negative balance plus have money for other bills that are due at this time. Well the lady I spoke to this time was not so kind and took matters into her own hands which she got my account locked and they kept my whole pay check saying there is nothing we can do. I was so appalled by the way everything happened so fast that it almost caused me my life. I just wanted to make things right and rebuild my account into great standing as suggested to but that is not how it happened. I have been calling and even went into a branch to see how this even come about? The lady had noted that I had 2 warnings when I only had one and the fact nobody wants to hear me out or work this out is shocking that an institution would even do someone like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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: 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 Chex Systems credit union. 

The Problem is with a previous account that i had with XXXX XXXX XXXX XXXX 

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 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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 in writing through certified mail for Transunion to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX and # XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like Transunion and they said NO they dont. I have this letter attached as proof of Transunion violation and failure to accurately and completely verfy this record with the original furnisher which is the bankruptcy court they have listed on my file. 
They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. I also reached out to XXXX and they have deleted these records off my file in which I have attached proof of it.

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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained a loan from a credit union to buyout my lease. I followed the exact requirements that I was provided by Chase ( the company that my lease was through ) and submitted the funds prior to the end of the lease term. I have confirmation that Chase received these funds through XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chase called me at work to inquire about my payment for XX/XX/XXXX. I advised the person on the phone that it was paid off. I didn't have the XXXX tracking number at that time because I wasn't worried about them receiving/applying the check timely, but they were informed that it was paid off. 
I sent a secure message to Chase advising that I had paid them in full and provided the XXXX XXXX  information that included confirmation that it was received on XX/XX/XXXX. Outside of Chase acknowledging receipt of my message, I have not heard anything from them regarding this issue. 
On XX/XX/XXXX I called them because the account was still showing active, I was transferred to XXXX in Customer Service who stated that it takes XXXX days to apply a payoff check. Nowhere on the payoff statement does it indicate this processing time, which seems excessive to me. She told me that it should be completed by XX/XX/XXXX. She stated that it will be effective the date that it was received. 
Today is XX/XX/XXXX and the account is still active. I reached out to the new lender and the check has not been cashed. The new lender showed me the XXXX label that they filled out and it is exactly as directed on the payoff statement ( lease buy-out ) provided by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: SYNCHRONY FINANCIAL
State: TX
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:
XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the Synchrony Bank account showing on my report. Synchrony Bank has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & Synchrony have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TX
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  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since XXXX XXXX XXXX asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a PayPal Credit debt. I had a PayPal Credit account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with PayPal Credit. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: MidAmerica Mortgage Inc
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint : My loan servicer MID AMERICA MORTGAGE accepted direct payments from the CARES ACT in a lump sum for my mortgage payments in the summer of 2020, then reported late payments to my credit file with the national credit reporting agencies in XX/XX/2020. 

The actions of my servicer were intentional causing serious financial hardship to me and my family during a National crisis. Because of the administrative actions of my servicer, my credit rating dropped to less than favorable, triggering a higher interest rate and closing costs to refinance. Now I can not afford to refinance. 

Mid America Mortgage accepted taxpayer funds, assuring consumers they would not harm their credit rating. They mislead consumers causing more financial harm to already struggling American families. 


I have made contact with the company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Home Point Financial Corporation
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: Account status incorrect

Complaint:
On XX/XX/XXXX I was notified by XXXX, my credit monitoring company, that my score had dropped over 100 points due to a delinquent payment. 

Upon looking into my history, the delinquent payment listed was my mortgage for Home Point Financial. It stated that the XX/XX/XXXX payment was over 30 days overdue and had been reported to XXXX. 

I have been trying to contact Home Point Financial since Saturday, XX/XX/XXXX, but they have taken down their customer service lines. I have messaged them on XXXX and not received an answer. I have also emailed them and received no answer. 

They have indicated that there is a problem with reporting and many people were affected. Some people, however, were contacted by email or phone. We received no such contact and can still not reach Home Point Financial. 

This is an egregious breach of trust in a mortgage company sending out damning reports on borrowers financial standing. If we were to not pay our mortgage, we would have to respond to debt collectors and eventually end up in court. Why are these companies not paying any penalty at all for their horrible mistakes?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was written off in bankruptcy and is more then 15 year ago. XXXX XXXX was the original owner of the debt and it's now with a Collection company. I spoke with XXXX XXXX & they no longer have it on their collection record. I've been getting threatening collection calls from this company. I gave them my bankruptcy information and they refuse to take it off my credit 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