BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I share a home with my son and his husband. We each pay half the mortgage. We explained this to XXXX XXXX, our mortgage consultant. We made our first payments, both paying exactly half of the payment due. And then we received a late notice. When I log into the account, the bank has allocated the payment into " unapplied funds '' and explains " when you do not pay a full payment, we will hold the funds in unapplied funds until partial payments being held in unapplied funds equal the total amount due. '' Because the two payments equal exactly half the monthly payment due, the bank 's criteria was met by the two payments, and I am tired of being pressured to open accounts that I don't want to make a single mortgage payment. This is what XXXX XXXX did to their clients and I will not allow BofA to do it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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:
I've called XXXX XXXX multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to EQUAFAX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am set up on a payment plan with a credit card. In XX/XX/2017 the lender decided that they were no longer accepting credit cards as a payment method. When I called to make the payment with the credit card they told me it had to be done on with a check or debit card because they were no longer taking payments via credit cards. When I asked if their was a notice sent out about this change they said they were n't required to send out a notice to their clients because it was just " a change in operations '' and that I should have been " grateful for being allowed to pay with a credit card for as long as I had. '' A notice would have been nice so I did n't have to default on my loans. I now owe {$2000.00} that I can can pay in a lump sum and the website does n't allow me to pay in increments until the entire {$2000.00} is paid in full. A notice prior to my payment being due could have avoided this entire situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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: Personal information incorrect

Complaint:
My correct date of birth is not reporting on my credit reports XXXX Multiple addresses are reporting on credit report, that is not my correct date of birth XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX 2 PLEASE XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was reviewing my credit report and I noticed an several medical accounts from XXXX XXXX XXXX XXXX This information is inaccurate. All accounts were paid.

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 2021-12-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was reviewing my credit report and I noticed an several medical accounts from XXXX XXXX XXXX XXXXXXXX. This information is inaccurate. All accounts were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXL 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 2021-12-12
Company: EQUIFAX, INC.
State: MO
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously had a vehicle with this company. The vehicle was paid for by insurance however this company after a few months reported that I stilI owe {$140.00}. I recently sent them a letter asking for proof of balance. They sent me an unclear printout of transaction corrections that they made on their end with no detailed information. I am requesting proof the of the insurance check and warranty cancellation information. If this information can not be furnished. I am asking this account be deleted 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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just 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 2021-12-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 we received a preapproval for a VA mortgage from Navy Federal Credit Union. We told them upfront that our primary source of income was our XXXX XXXX Yet they did not request our XXXX until XX/XX/2021. XXXX XXXX and XXXX requested our XXXX immediately. Because of Navy 's incompetence, we had given due diligence of {$1000.00} on XX/XX/XXXX, and {$550.00} for the appraisal, all for nothing. This whole process was one long nightmare. Our credit was denied on XX/XX/XXXX due to the income to debt ratio that could have been established in the first days after our preapproval. We wasted over 3 months and lost the chance at finding a home. Additionally, Navy largely ignored us for long periods of time when we requested information, and we were not informed in a timely manner that documents were requested. Our real estate agent said her company doesn't like to deal with Navy Federal Credit Union because of their long delays and ineptitude. We repeatedly tried to get Navy to provide our real estate agent with forwarded messages, but this was rarely done unless we complained enough times. After repeated requests from us to send us the appraisal, because the owners were about to terminate the purchase, Navy did so only after we fired Navy 's financial officer and repeatedly tried to contact their supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Earlier in 2021 we purchased a new XXXX XXXX. Along with that purchase we added an extended maintenance plan. Within a few days of purchasing the vehicle the finance manager - XXXX XXXX gave us a discount in order to have us keep the plan. That changed the monthly payment from {$510.00} to {$500.00}. That amount was never reflected in the online account we use to pay the monthly car payment. We have NEVER been late or missed a payment. What American Honda Finance did was open a new account that reflected the $ XXXX monthly payment but we did not know this. We kept calling them because we expected to see the new monthly payment amount listed in our billing. It was not. Still to this day has not been. And what American Honda Finance did was to flag our account as a charge off because they have a second account that they think we have not paid on. We contacted American Honda Finance because we noticed the charge off on our credit report on XX/XX/XXXX. We contacted them and they stated they would get this cleared up. I tried to log into the new account that they told us on the phone that they would merge/clear up but no data on the loan amount or new monthly billing of {$500.00} ever showed up. American Honda Finance gave us a letter stating we are NOT at fault and yet on XX/XX/XXXX they flagged it as a charge off again. This is intolerable. We are being impacted quite negatively for their incompetence and inability to update a simply backend accounting function. I can only hope these folks do not try to repossess the vehicle even though we've NEVER missed a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX I checked my credit report and noticed that an account that was DELETED on XX/XX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Equifax " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Equifax confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Avid Acceptance, LLC
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-12-12
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've been using my XXXX XXXX  account everything was working fine as far as sending and receiving money threw with no problem, using cash app. Then suddenly after maybe a month using cash app by linking my XXXX XXXX debit card, things just went left out the blue. The transactions would go threw for like 1 minute then it will just fail, saying for my protection there cancelling the payment and I mean this is over and over every time I do it. It's been doing this for months now, but don't get me wrong after so long not linking my card with cash app it will send 1 payment right threw and it sticks. But soon as I try to make another transfer threw the cash app system its blocking and cancelling any transactions I try to process XXXX my bank tells me there's nothing wrong on there end with my card nor account. And to contact cash app but cash app a tell me to contact my bank when the transactions are failed I know for a fact it's not XXXX XXXX, it's cash app but there telling me it's my bank XXXX cause I've just did a transfer XX/XX/XXXX ,2021and the XXXX  $ payment went threw but this is after not linking my XXXX XXXX bank card in like an month, okay the payment sticked it processed and went threw but after like an hour later I tried to send another payment to the reciepent, the payment failed XXXX then I called my bank it's not on there end then I called cash app and there saying it's not them when I'm knowing it's on there end, I really need this fixed own know what's going on with cash app when it comes to me using there system they are constantly closing all my accounts and asking me to very my identity it want let me order an cash card when I use my previous address, it's like whenever I make an cash app with my name which I have made over 30 accounts dew to the fact of them always closing my accounts. Seems like when they see my name on an new cash app they never let me order an cash card never let me add money from any cards I link with them to my cash app account. And after so long of using the new account they finds out I have another account it the blue it's telling me to verify my identity XXXX and what's so crazy I can send my photo ID threw the QR scanner and after the processing of 24hrs to confirm the results they still can't verify its me XXXX own know what's up and why cash app got a bad alert on my name and address but please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received an invalid transaction on my account. I contact the bank and vendor on the day the transaction showed in my bank account. I spoke with 3 different representatives at the bank. I provided the bank with all the information given to me by the merchant. The final representative was in the " card '' department stated that they were removing the transaction and I will not receive an overdraft fee. The next day I check my account and it has 3 overdraft fees and the invalid charge is still on my account. I contact my bank. The representative informed me there were no notes on my account indicating my call or complaint and there were no open disputes on my account for an invalid charge. I request a supervisor who informed me that they could do no more than their representative. I was then told all the charges will remain until up til 90 days. The supervisors are irrelevant and have no more authority than the representatives. There was no courtesy and I was basically lied to three different times. I received no assistance from the bank ; I was not awarded any temporary credit or charge removals for my inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-04-14
Company: Performant Financial Corporation
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Performant is the debt collection agency that was handling my federal student loan debt of XXXX. They sent me the wrong form to complete and I sent it in at their request. However, 2 years later I called them to find out that because I did n't complete the correct form, they 'd been keeping my loans in a default status but did not notify me of this to my knowledge. It was only supposed to take me 9 monthly payments of {$5.00} to get out of default status. They were supposed to help me rehabilitate my loans but instead accepted payments from me for 2 years and did not provide me the service they promised : to help me rehabilitate my loan. Also, I am a vulnerable adult with XXXXXXXX and XXXX and feel I was taken advantage of in this situation.

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 2020-10-07
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an existing AMEX Platinum card and called AMEX on XX/XX/XXXX to transfer my points to my XXXX XXXX investment account, the representative on the phone recommended that I sign up for a XXXX Platinum card. When I verbally asked multiple times if there was an annual fee, I was told that there wouldn't be an annual fee because I already had a Platinum card. 

I called twice to confirm that there would not be an annual fee, and both times I was verbally told there was no annual fee. I was charged {$550.00} on XX/XX/XXXX, and I called the XXXX number to dispute it and was transferred to the manager, who told me he would review the call log to confirm and get back to me. They determined that they were not at fault and recommended that I cancel my card to return the annual fee, since I had already used the welcome points, I have a rewards balance of negative XXXX. 

I was verbally misled by AMEX and they refused to provide any reasonable path to arbitration.

Company response to consumer: Closed with explanation