BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX received certified letter in mailbox with card missing for certification from NFCU. Envelope stamped XX/XX/XXXX XXXX Notice. XXXX dated XX/XX/2023. Formally notified that mortgage holder NFCU is advising the loan is in default for failure to pay amounts due. 
I believe this is a retaliation for XXXX with CFPB, which was settled with a Heloc and paid with all amounts due through XXXX per the statement given by NFCU provided XXXX site. Reviewing the date the wire transfer made to NFCU from the funding account a credit of {$25.00} was applied to the principal of the mortgage on XXXX, the same date of this letter. The representative I spoke to today mentioned it must have been auto printed that morning of the XXXX. The question I have based off the data, it does not reference any other unpaid sums before the wire transfer took place in the afternoon, it references The loan payment and subsequent payments, plus late charges, fees, and other costs, was due on XXXX XXXX. As of the date of this notice, the total delinquency and reinstatement amount is {$25.00}, which consists of the following : Next payment due date XX/XX/2023 Current Monthly Payment {$1400.00} Total Monthly Payments Due {$0.00} Late Charges {$0.00} Other Charges Uncollected NSF Fees {$0.00} Other Fees {$0.00} Corporate Advance Balance {$25.00} TOTAL REQUIRED TO CURE DEFAULT {$25.00} This continues on for the rights to assess fees etc for the declaration of XXXX on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I was victim of a scam through XXXX, my bank is Wells Fargo and I purchase XXXX  through XXXX, it started with a Text message from someone saying it would teach me how to invest but it was all a scam l, my complain is that neither Wells Fargo or XXXX didnt know how to block the transactions. I lost all my life savings XXXX XXXX dollars. Please help

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 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion I have applied several times for a credit card offer from XXXX XXXX bank. I was rejected the first time because I was unable to lift the freeze on my credit report because TransUnion had suspended my account because they claimed they could not verify my information. I followed steps to have my information verified and by filling out forms was able to regain access to some sort of account at TransUnion. 
After getting the same credit card offer in the in the mail from XXXX XXXX bank I reapplied. I called Transunion and was able to get a temporary lift of the credit report freeze. 
XXXX XXXX attempted to access my credit report again today and I do not know if they were successful. I received a text and an email from TransUnion informing me that I needed to authorize this inquiry by logging into their True Identity product. I was unable to log into the TransUnion product XXXX XXXX as my TransUnion log in is not valid for that TransUnion product, but somehow I have access to this product via another credit card company. I was able to log in to XXXX  XXXX using those credentials but there was nowhere to authorize the XXXX XXXX inquiry that I was told to authorize. I did, however, see from this session that as a result of all this messing around in TransUnion, TransUnion decided my credit score should be dropped by 7 points. And as far as I know I have no way of authorizing XXXX inquiry so that I can do something as simple as obtaining a credit card My complaint against TransUnion is that their web site is intentionally confusing so they can pressure consumers into buying additional products. I also believe TransUnion is intentionally making it as difficult as possible for consumers to easily manage the protection of their credit information via a freeze so that TransUnion can dispense with the whole mechanism of freezing credit information. Why would I go through the considerable trouble of unfreezing my credit if I was not expecting an inquiry and therefore why does TransUnion need me to authorize an credit inquiry from a legitimate bank? And why would I need numerous different log in credentials if not to make it more difficult to manage my credit information protection. 
My second complaint is that TransUnion is lowering my credit score because of TransUnions anti-consumer policies is a form of retaliation for actually making them respond to the needs of a consumer. It was obviously not a human decision but is something built into their scoring algorithms. 
Thank you for considering this complaint about a credit reporting agency. I am glad that there is now a federal agency finally looking into this industry.

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 2022-11-12
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a car at car central dealership and I had placed {$3100.00} as a down payment and west lake financial is the bank that gave me the loan but I never received any mail or paperwork with my loan account number nor a call, I called the bank but they said I had to wait till I received the mail but never did, I finally obtained the information I needed and was unable to make my first full monthly payment, I did a partial payment but scheduled the rest of it for the following week. 
Then the dealership called and said to bring the car back cause they somehow bought it back but the bank never called me to let me know, I had told the dealership i scheduled the rest of the payment but said it didnt matter cause they owned the car at the moment, I was never told or read any paperwork by the bank or dealership stating I had to make the first payment in full and on time. They still took my monthly payment out of my bank account and took the car back. The person we spoke to also said he was going to give us some of the money back and when we went he refused to.

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 2023-01-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have notice XXXX unknown transaction of {$340.00} and {$260.00} on XX/XX/XXXX in my XXXXXXXX XXXX XXXXy from that day i tried to contact their helpline and they transfer me to another department and put me on long hold more than XXXX minutes each time i wait but no body answer then i right email to them they replied with the same credit card department phone number which i tried XXXX times till that day. 

Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - Transunion : Last payment Date reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Well i called theyboffered me XXXX, and said i coukdget that and i would just have to pay {$80.00} as insurance a payment up front in case i miss one, in need i sent it, then i did not recieve anything called the next day tthey said fdc has a hold on it paened my items to pay for XXXX was sent nothing the next day i called asked for my money back they clamed to send it back to me but havent received anything and now they dont answer my call XXXX Name is claimed to be XXXX XXXX with upstart

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On numerous occasions I have requested that my personal information be updated and included proof, as I only report my name one way EVER! 

I have never gone by any variation of my name other than XXXX XXXX. 

I have never reported to any creditor, bureau or legal entity, my name in any other way.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: DE
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:
After looking over my consumer report I've noticed that Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I recently submitted claim # XXXX because an alert function that Chase Bank features on their app did not work. The complaint was as follows : " I was paid a bonus by my employer on XX/XX/XXXX. That check was for {$390.00}. I went shopping & to dinner on XX/XX/XXXX, and my account dropped to under {$50.00}. I was never alerted to this by my bank, Chase bank. I have an alert set up on my account to let me know as soon as my account drops to below {$50.00}. That alert was never activated on XX/XX/XXXX. In fact, I was not alerted to my account being under {$50.00} until it was already overdraft! The first notice about this came to me on XX/XX/XXXX, when I was already at - {$280.00}. My question is why in the world would they bother to give you the ability to set up alerts, and when the specific scenario in which you would need to be alerted, nothing happens?? Their alert clearly failed and now I am overdrawn in my bank account! I am already living paycheck to paycheck and my husband does not work!! '' The bank is claiming that the alert system works fine and that I should just manage my account better. HOW INSULTING! I have photographic proof that this alert system does not work. What proof?? Well as it happens, I was low on funds on XX/XX/XXXX and XX/XX/XXXX ( That is a Friday and a Saturday ). As you will see in my proof, I was alerted the second my account dropped under {$50.00}. I was again alerted on XXXX, which was a Sunday. So, why did the alert system work find this past weekend, but completely FAILED on XX/XX/XXXX - XX/XX/XXXX?? Why was I alerted on XX/XX/XXXX and XXXX that my account was under {$50.00}, but back on XX/XX/XXXX I was only alerted when I was ALREADY significantly overdrawn??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2016-01-21
Company: Northeast Collection Bureau
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have never heard from or of this company and this message was left on my voicemail : We have made several attempts to get in contact with you regarding the pre legal matter We suggest you do not ignore this notice press 1 to speak to an associate now or contact this office immediately at XXXX if you have retained the services of an attorney you may have your counsel contact this office on your behalf this communication is from a debt collector. This is an attempt to collect a debt any information obtained will be used for that purpose.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-18
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This issue pertains to my Secondary Home Improvement Loan - originated and serviced by Gateway Mortgage - a division of Gateway First Bank. This morning ( XX/XX/2023 ) I talked with a Gateway Mortgage representative named XXXX. He was about the least helpful associate I've dealt with in decades of working with Banks and Mortgage Lenders. My question surrounded why Gateway mortgage has been incorrectly applying the extra payment I started sending to them since last XXXX. Basically, they've been taking the extra payment and applying it ahead in a way that ensures they are receiving their interest payment. He told me that I did not need to make a payment until next XXXX!! Every other bank in the world takes that overage and applies it to the Principle- on the month it's paid. I am asking the CFBP to look at this suspect practice as it clearly violates Truth in Lending laws ( and I'm sure several other laws aimed at mitigating deceptive practices by large banks ). Moreover, XXXX said that he'd " submit a ticket and some supervisor would call me back in 24-48 hours ''. When I asked him for the ticket number for confirmation he said he couldn't give it to me. Beware of this company!! They do NOT keep customer service in mind and their practices are clearly something the CFPB should investigate. At this point, Gateway Mortgage has applied over {$600.00} to their own interest vs. buying down the principle of the loan. Again, this is a very deceptive practice and one that should be punished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: SYNCHRONY FINANCIAL
State: MA
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 the account that I am disputing SYNCB/OLD NAVY As you can see the last verified is missing also only XXXX  reporting this.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity fraud. I have been requesting TransUnion to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. TransUnion has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in XXXX. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to TransUnion along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my TransUnion!

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