BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$400.00} XXXX/XXXX XXXX {$640.00} DPT EDXXXX XXXX {$7300.00} DPT EDXXXX XXXX {$3500.00} DPT EDXXXX XXXX {$3400.00} DPTED /XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Navient today to request repayment assistance. My current payment is {$320.00}, the only option I was given was to do interest only payments for XXXX  months, but in doing that. I would lose the XXXX XXXX discount for autopay ; this would make the payment close to the same except XXXX would go to principal. Inflation is hitting everyone extremely hard - this interest rate is currently at XXXX XXXX ( variable ). Any time I try and refinance anywhere else, I cant get approved without a co-signer because this balance has increased substantially compared to the amount initially borrowed. My co-signer was just approved for total and permanent XXXX so he is being released from Navient, but I cant get a loan anywhere else. This is the absolute biggest trap/scam. Enjoy all the interest youre pocketing on the XXXX set right now, while Americans are suffering. They are making repayment next to impossible if you still want to be able to feed your families.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: SUNTRUST BANKS, INC.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}

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 2023-01-19
Company: Credit Karma, LLC
State: KY
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:
I I can't access my XXXX XXXX because it has an old phone number and I can't and I can't fix it for my new number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2016, I attempted to initiate an Automatic Clearing House ( ACH ) transfer from my XXXX at HSA Bank ( a division of Webster Bank, XXXX. ) to an external linked and verified bank account. HSA Bank 's online portal would not process the transfer, because it is greater than {$500.00}. I called HSA Bank 's Customer Service Center at XXXX and spoke to a representative " XXXX '' who confirmed that HSA Bank has a new policy limiting outgoing transfers to {$500.00} per day. I protested because there is no language in my account 's " Deposit Account Agreement and Disclosures '' that references or allows such restrictions on withdrawals. First, she maintained that a new Account Agreement has been sent to account holders, but I had not received it yet. On further questioning, she admitted that no notice had been sent to account holders, and that this was a new internal policy, which was allegedly put into place due to fraud. She was unable to direct me towards language in the account " Deposit Account Agreement and Disclosures '' that allowed such restrictions, and was surprisingly unable to provide me with at copy of the current " Deposit Account Agreement and Disclosures. '' As an alternative arrangement, she did suggest that I could contact my regular bank and obtain a cash advance to pay for medical bills. 

These practices are improper and concerning for several reasons : 1 ) There is likely no legitimate reason for the {$500.00} daily withdrawal limit other than to limit consumers ' access to money 2 ) This does not conform to " general banking practices '' in XXXX or in the XXXX 3 ) If in fact, HSA Bank is having significant fraud problems with ACH transfers to *verified* external linked bank accounts, this should raise a red flag about the overall security level and internal controls at HSA Bank XXXX 
4 ) It is interesting that HSA Bank has no problems accepting incoming ACH transfers greater than {$500.00}. 
5 ) The {$500.00} daily restriction is so incongruent with the essential nature of an HSA ( i.e. paying individual medical expenses, which often exceed {$500.00} ) that XXXX wonders if this account can truly function as an XXXX. 
6 ) The advice to obtain a cash advance from my primary bank to pay a medical bill is very poor advice. 
7 ) Although I agree than HSA bank can limit withdrawals when fraud is suspected, applying a blanket and arbitrary policy to all accounts is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: CA
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:
We notified Best Buy / Citbank credit card in XX/XX/XXXX about some re-occurring charges on our card from XXXX for {$29.00} per month dating back to XXXX. A total of 18 charges for a grand total of {$530.00} not including interest and fess paid over this time.. We opened a Fraud Claim. We heard back from Ciitbank on XX/XX/XXXX that the information reviewed does not sustantiate a claim on of unauthorized use. We NEVER signed up for any services with XXXX other than having a free profile with our Employers to share content about our companies. My husband and I do not have any credit card information linked in our profiles. Nor have we used any of their paid for services. We are not sure how our credit card information was picked up. Our Citibank card is/ was used for the purchase of refrigerator and two re-occurring charges for XXXX and XXXX XXXX. We have auto statements and auto payments with this account. We tipped us off was at the end of XXXX beginning of XXXX my husband received an email from XXXX about adding a new credit card to our account. thinking it was spam it still prompted us to look into this seperately and then review our accounts. We then notified Citibank of the fraudulent charges. My husband and I are both essential workers and have been traveling with work throughout the pandemic. The response from Citibank is disturbing... These are fradulent charges and we did not sign-up for any services with XXXX. We can show our profiles to prove we do not have credit cards linked to our profiles. We tried to also resolve this with XXXX and have received no reponse. XXXX has 493 compliants about this scam from 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 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}

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 2020-08-05
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-05
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2015-05-22
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Collection Bureau Inc. placed an account on my credit that does not belong to me. I have tried contacting them and asked them to provide proof that this account belongs to me or to remove this account and they have not done either. They simply responded by telling me to call in?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Td bank has changed its policy and will no longer allow same day deposits to cover debited payments and they are calling it Time Order Processing. They are masking this process as a positive change when in fact it will cause even more {$35.00} overdraft fees to be collected by the bank which will result in greater revenue to the bank and more distressed customers. 
It would be different if customer were not depositing funds into their accounts to cover any payments that may be processed before XXXX ( same business day ), but as a customer who makes sure that funds are available same day to cover any debited items coming through the account, i am concerned that this practice is enabled and designed to cost the American public even more of their disposable income. This policy change needs to be reviewed by the Bureau and identify how consumer rights are not being acknowledged and possibly violated. Class action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$400.00} XXXX/XXXX XXXX {$640.00} DPT EDXXXX XXXX {$7300.00} DPT EDXXXX XXXX {$3500.00} DPT EDXXXX XXXX {$3400.00} DPTED /XXXX XXXX {$1700.00}

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 2020-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
1.Capitol One denied my credit without explaining why the credit ws denied. My credit report is in good standing.When I tried to get an explanation of why it was denied, I get not get verified in order to verify why my application was denied 2. Additionally, after the application was denied, they claimed the application would not have any impact on my credit report, when in fact it DID and shows up on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$400.00} XXXX/XXXX XXXX {$640.00} DPT EDXXXX XXXX {$7300.00} DPT EDXXXX XXXX {$3500.00} DPT EDXXXX XXXX {$3400.00} DPTED /XXXX XXXX {$1700.00}

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 2022-01-25
Company: WELLS FARGO & COMPANY
State: MI
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 tried to dispute information directly with Wells Fargo Home Mortgage, XXXX XXXX, XXXX, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called Wells Fargo and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make XXXX on time payments before my loan could be reinstated. Aug 2020-Dec 2020 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to Wells Fargo requested a payoff, that balance is not the balance reported. There was a discrepancy with my Escrow account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, 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 explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was closed for the overdraft that was made on my checking account and I thought I had overdraft protection on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted all 3 credit bureaus for the last 6 months regarding this account and a few others. I also disputed this account with the collection agency and they said they don't have record of this account. Both the credit bureaus and the collection have failed to legally verify this account. XXXX XXXX and XXXX have already removed from my credit report but EXPERIAN refuses to remove this inaccurate, unverified account. I am trying to buy a house and this is adversely affecting me. Please assist.

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 2020-08-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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