BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
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: Account status incorrect

Complaint:
*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, XXXX reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax , XXXX XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. 
I have reports dating back XXXX7 years and there is no serious delinquency listed. 
I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
WALMART DECREASE MY CREDIT LIMIT WITHOUT A REASON ALWAYS PAID ON TIME NEVER LATE I USED THE CARD OFTEN PAID TO 0 MULTIPLE TIMES

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: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I asked for my loan payments to be reduced or postponed until I started working again and they told me I do not have that option

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Union Bank has blocked use of my VISA credit card # XXXX, for well over a year. 
Although Union Bank may have a right to close a credit card, they do not have a right to damage me by forcing me to have an open credit card with a valid credit limit, but not let me use it. This damages me as I can not apply for other business credit cards, as the credit bureaus are reporting that I have this credit card open. It is also a burden on me to have to watch incoming statements for this card. 
I have made roughly 30 requests that this card be either opened or closed, however Union Bank has ignored all of them.

This includes an in branch visit to a Union Bank branch. 
After many, many calls, over many months, I was referred to XXXX at XXXX XXXX XXXX XXXX. 
After roughly 15 messages XXXX responded zero ( 0 ) times. 
Aside from this problem, I have had a very good relationship with Union Bank, both with credit cards and bank accounts for many years. I bear them no ill will. 
Accordingly, if they remove the block on my account, I will consider this as an unfortunate mistake, committed in good faith, and I will withdraw my CFPB complaint and I will not pursue legal action. 
However, if Union Bank continues to stonewall me, then I will continue with this complaint and with appropriate legal action to seek reimbursement for my damages, including punitive damages for intentional wrongful acts by Union Bank. 
If, by their future actions, Union Bank shows that are acting in bad faith, I would suggest that the CFPB, under threat of litigation, require 1 ) a written statement confirming either that blocking a customer 's account for ~ 2 years with no explanation was not their policy, and committing to a specific plan to properly train the employees ( like XXXX ) who handle these matters, or 2 ) a statement that it was their policy and a written plan to change that policy and to train their relevant employees on the new policy. 
Please feel free to contact me if I can be off further assistance. 

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX I contacted Transunion about the following negative account XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$2500.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My son has had theft of ID/stolen identity with this bank accounts/Debit Card at Wells Fargo. We believe my son is a victim of organized, sophisticated, organized network of criminals who are responsible for stealing money from his bank account using duplicate or cloned Debit cards with my sons # to make transactions. It is believe that the criminals conducted these charges at locations where individuals could assist them with their theft. 
We have been attempting to resolve with Wells Fargo since before XXXX. There has been no resolution as Wells keeps denying claim that anything fraudulent was done in spite of evidence to contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recieved a preappoval letter from OneMain Financial in XXXX. I then applied in XXXX and was approved pending bringing in a vehicle title for my XXXX. Because of the holidays it longer than expected to get my title. Once I received the title I applied for the loan from OneMain. I received inconsistent statements from the loan agent XXXX at the XXXX, Indiana location. It was decided that I needed to reapply after paying off a certain payday loan company. I then filed a complaint against this loan agent direct to the company. I sent the complaint to the company on XXXX. On today 's date I received a letter from the company stating I had been denied credit which is not true. I was approved and cleared any credit requirement. ***I also have a current loan with this company and my credit score has since improved substantially. The letter to me was just a retaliation because of the complaint filed against this loan agent. ***Again I am current customer of this lender. In addition, this loan agent or company maliciously stated that my credit score was a XXXX which is false information as shown by the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21 two automated withdrawals went through to my account and were processing one was for {$14.00} and the other for {$5.00} this left my account in the negative around {$17.00} so I did an instant transfer from XXXX of {$19.00}. This transfer processed through before the two charges were finished processing and her I was charged two {$35.00} overdraft fees. My account is currently overdrawn the amount of overdraft fees. I called BoA to resolve this because it was clearly a system error but they refused citing the instant transfer may not have processed before the cut off time, I know I did because I checked my account until it had, they would not tell me the time that my transfer processed and refused to cancel these fees. We are in a pandemic, I am unemployed and yet I made sure there was money in my account to cover these charges and they unlawfully charged me these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Colony Brands, Inc.
State: WA
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 made a purchase from XXXXXXXX XXXX the catolog store. They sent wrong item, I notified the company that I was sending the item back to them, nothing was said or done at that point. then it took me 6 months to get them to rectify the records, they were charging me late charges and the whole shot. even after they had admitted to having the package I sent them they still would on rectify the issue. finally after I kid you not 6 months they finale admitted to the exchange and refunded my money.. after 6 month of a constant brash of phone calls and letters sent clear to the top of the organization.. I thought this was over now i see they are still destroying my credit record. My question is how can these people keep getting away with XXXX with people like this???? This is nothing short of criminal!!!!. Nothing on my credit record regarding this issue has been done since XXXX. explain that? and just try to get them to do something about it is a lost cause ... I am going out of my ever loving mind as to the XXXX XXXX they have pulled on me total run around every time I try to contact them regarding this issue. I need this removed from my record and any remanence of any more XXXX from these people stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I began with a {$1200.00} credit limit through Amazon.com courtesy of GE Capital Bank. That company then became Syncrony Bank. My credit limit was lowered to {$830.00} in less than one year. I had had no difficulties with payment and in fact had paid it off. Recently, my credit limit was lowered to {$650.00}. I had no difficulties with payment yet again. Syncrony states that their company does a periodic credit review and adjusts according to their findings. This always has an immediate impact on my credit score because it changes the ratio due to me holding a balance. I believe this practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX Our family applied for HARP modification of our 15-year HUD insured loan with Bank of America. This was because our home is underwater since purchase XX/XX/XXXX and we were increasingly unable to afford the payments. 
Our application to modify the loan terms was approved by FHA. However, the HARP modification affected XX/XX/XXXX simply converted our 15-year mortgage to a new 32-year mortgage. While this resulted in lower monthly payments, we will, in the long term, pay a lot more interest. 
As of XX/XX/XXXX, Bank of America has sold off our mortgage to XXXX. We are unsure if the FHA insurance as well as other homeowner protective clauses conveyed to the new lien holder. 
Our understanding of the HARP-process was that the original loan conditions ( XXXX, FHA insured ) and consumer protection clauses would not change with any modification or transfer. 
We respectfully request that this matter be investigated and corrective action taken to safeguard our interests as homeowners. 

OUR LOAN Information : ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Original BoA Loan No. : XXXX New XXXX Loan No. : XXXX Phone : XXXX mobile, XXXX work Email : XXXXXXXXXXXX

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 2021-03-16
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Payment never late successful iconSubmitted XXXX XXXX Not mine or No knowledge of account successful icon

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 2020-03-24
Company: Experian Information Solutions Inc.
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  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
payment was 30 day late in XXXX XXXX have had the card for 3 years and that was the only late dealing with start of covid 19 and postal service. call them to see if they could give a one time courtesy. but was informed i had to go through credit dispute proscess

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I am a consumer who applied for a cared credit card for vision purposes in XXXX 2014. I was under the impression that I would not pay any sort of interest for 18 months on my XXXX purchase and would only acquire interest charges after the 18months was over. I received inadequate explanation of the terms from the store rep and at not time spoke to an actual Care Credit rep during the application process. I also did not receive any copies of the care credit agreement that explained the deferred interest rate of the crazy 26.99 % When I went to make a payment online I noticed and interest charge for over {$700.00}. I called care credit and pretty much told me there is nothing that they can do, but only offered to remove charges if I paid my remaining balance within a week. which I cant. Also only said that they are sorry that the vision rep did not explain how the deferred interest charges would work. I am truly stressed out about these charges and would like your help. I wrote a letter to the corporate office, but was told but a care credit rep that it may take over a month for them to reply to me. Please Help! Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
JC Penney closed my credit card account on XX/XX/XXXX without contacting me in any way. This has caused my credit score to drop more than XXXX points. Id had this credit card account since XX/XX/XXXX. I contacted JC Penney and was told there was nothing they could do about the closed account and that they could not reopen it. I was told Id have to open another credit card 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 2017-01-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated college XX/XX/XXXX and acquired several student loans with my parents in order to qualify for my financial aid. At first I chose to defer the loans when they were with XXXX XXXX. XXXX XXXX had my loans grouped into XXXX groups-Department of Education, Federal, and Private. After paying for several years the loans were transferred to Navient, which has been a complete nightmare. XXXX XXXX was bad, but Navient is absolutely awful. My main problem is that I have a very high amount of debt that is privately held, which there are little to no options available to me. When I heard the CFPB was involved in a lawsuit with Navient I needed to voice my concerns. I feel like I literally will be working my entire life just to pay them off. My loans are now in XXXX categories similar to that of XXXX XXXX. I was in a car accident XX/XX/XXXX and fell behind on payments. After months of negotiating and seeing what I qualify for I had to give Navient my bank statements and my parents. They went line by line and questioned everything. One of the representatives even said " Wow that is a lot of money to be spending at the gas station. '' She was referring to my father 's account as he drives from XXXX to XXXX every day for his job. I finally was approved for a rate reduction program for the Private loans and placed the other loans on Forbearance due to hardship. To this day we receive stacks of mail correspondence, daily phone calls, emails, etc. even though everything should be up to date. I have had a breaking point as I realize that now at XXXX years old with almost 90 % of my debt privately held I will never be able to qualify for a mortgage, it has ruined my credit, and my payments are always messed up. I do not contest the fact that I owe money for my education, but coming from a banking background I find it amazing that a loan was underwritten for the price of a home at the ages from XXXX-XXXX, but could not legally get a credit card. I often wonder how did they per-qualify us for these astronomical amount of debt? I would really like to continue to my life, pay off a fair amount, and contribute to our economy as I move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions 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: Other problem getting your report or credit score

Complaint:
All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!

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 2020-03-24
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 recently submitted an complaint regarding Experian Investigation regarding their right to report inaccurate, errors, unverified information on my credit report. The E-Oscar method has to stop because it does not show if a " real human being '' is collecting data, investigating and providing a verified documentation on file with respect to 609 of 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 2022-04-09
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation