BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I had {$40.00} come off my account t I called chime and filed despite they did Irs it literally less then 24 hrs I asked them to block the merchant. On XX/XX/XXXX I had {$4000.00} come off then 30-40 min later XXXX came off. I emailed and called asking for this merchant to be blocked and when I file dispute on the XXXX my stuff got denied on XXXX at XXXX XXXX. It hasnt even been 24 he invastigation. I dont know why my money missing and no one is doing about nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has placed many overdraft fees on my account that were unfounded. I have notified the bank and they did not resolve the issue.

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 2022-06-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my mother obtained a {$40000.00} mortgage loan on our family home from XXXX XXXX XXXX. She passed away in XXXX and I assumed the loan under her name. I am also the Administrator of her estate and Successor in InteresXXXX. It was then transfered and reserviced to XXXX XXXX XXXX in XXXX. I paid regularly until XX/XX/XXXX when COVID began. I was put on a forebearance plan but occasionally STILL made payments while on forebearance. The loan matured XXXX of this year. CLS extended me 2 loan modifications that I accepted and remitted payment for. They sent payment back both times stating " Loan matured with no approved workout ''. They kept asking me to prove Successor in Interest, and I did. Several times. The paperwork was even sent directly from the City of XXXX XXXX office. Their representative kept telling me that the person that assumes the loan must be on the deed. I have a copy of the original deed and only my deceased grandmother and grandfather are listed. So when my mother obtained the loan, she was not on the deed and was never put on the deed. So how was she able to obtain the initial loan? If I am acting as the same entity as my Mother, who presented only the deed she had to obtain the loan, then why am I not able to do the same to maintain the loan? I sent CLS a QWR in XXXX of this year and they then RE SERVICED the loan to XXXX Loans WITHOUT RESPONDING to the QWR. They then just YESTERDAY replied in an email, but it was not a QWR response. I have also sent the new loan servicer a QWR 3weeks ago and have heard nothing as of yet. I contacted the FBI earlier this year with no success because I know that at least one name on a mortgage loan must be present on the deed. I have maintained that XXXX XXXX has committed mortgage fraud and sold the loan to Bayview without them knowing that my Mother is not on the deed. So I've paid OVER XXXX for an illegal mortgage loan, plus interest and would TRULY like to have an attorney help me to obtain my, and my Mother 's estates monies back. I am sure I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CBC Companies, Inc.
State: LA
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 Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been looking at my credit accounts and reached out to every company claiming that I owed for something. There were 3 companies. 

XX/XX/ I wrote and mailed a dispute letter to each company which includes : Nissan Motor Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today is XX/XX/ and it has been 37 days without any response from any of the companies above. 

I have digital copies of my letters. I am simply requesting assistance to remove these accounts from my credit profile. 

One of the derogatory remarks on my account doesn't even have a balance, it literally says {$0.00} but is still hurting my credit. 
Please and thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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 have sent in letters on numerous occasions to Transunion and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.

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 2021-12-07
Company: FREEDOM FINANCIAL NETWORK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My Home Equity Line of Credit was initially opened in 2007 with Wachovia Bank, N.A. for {$100000.00}. I have been told that the initial payments were considered interest only. 

Monthly payments made timely have not been applied to the principal. Each monthly payment is applied to finance charges only. No matter the amount paid, the payment is only applied to finance charges for the exact amount paid. 

Ex : {$600.00} payment Finance Charge- {$600.00} {$350.00} payment Finance Charge- {$300.00} The PRINCIPAL amount has remained at {$97000.00}. I have been paying on this HELOC for ten years and the principal balance is still {$97000.00}. 

Wells Fargo has me making back payments from XXXX to the present because they were considered partial payments and yet the total monthly payment due balance keeps increasing and the principal balance remains {$97000.00}. 

In ten years, Wells Fargo has never paid the real estate taxes on my property but this year they did after I had already paid them. I have submitted a letter of error for Property Charges and Fees with documentation of the errors but to no avail. 

I have financed and paid off a mortgage and financed and paid off cars. I have never experienced monthly payments only being paid to finance charges for the exact amount of each payment and not applied to the principal balance.

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 2023-05-26
Company: EQUIFAX, INC.
State: TX
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 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and TransUnion failed to conduct a reasonable investigation and in a timely manner when i disputed the information. 
1. Date of Last Activity according to TransUnion is XX/XX/XXXX and according to XXXX is XX/XX/XXXX furnishing inaccurate, unauthorized and incorrect information. 
2. Date Opened according to TransUnion was XX/XX/XXXX and according to XXXX XX/XX/XXXX again furnishing inaccurate, unauthorized and incorrect information. 
3.Account Charged off as bad debt Dispute resolved ; reported by grantor whereas Account was in dispute- now resolved - reported by subscriber.

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 2020-07-07
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2019 My daughter submitted release of cosigner form and all of my information explaining my years of being on XXXX and the health reason documents from my doctors about my XXXX. 
I was not allowed to submitted the information nor will the loan company talk or discuss removing me from cosigner responsibilities. 

She received response from the lender stating multiple reasons why I could not be released as cosigner. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Ocwen Financial Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello this is XXXX XXXX XXXX. 
My issue is not with the debt of the mortgage as the mortgage is paid off. The attorney will answer by saying he does not have to answer questions as the debt was paid off over five years ago. 

The issue is the attorney from XXXX XXXX who represents Ocwen loan servicing did not consider my request to not email me as I have vision defects from XXXX XXXX. I asked the attorney to call me in future and this did not happened. I was sent letters in large font I did not request. Under the Americans with XXXX XXXX I asked for him to accommodate me. This was a burden to him. Another occasion he hung up the phone on me and my XXXX XXXX representative. I contacted the ombudsman at Ocwen about my treatment from the attorney not considering my request for a phone call. I do not use email often or computers because of my vision and headaches. 
Ocwen ombudsman has never called me back after my complaint about the attorney. I am choosing not to use the attorneys name as I would not want to embarrass him. Under the XXXX act I had rights and never got any opportunity from the attorney how I would like communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email today regarding an open bank account with Citizen Bank. The date is XX/XX/2021 at XXXX. I was sleeping at that time. And I have my own bank, on top of it, Im not working to open a new bank account. I reported and filed a complaint with Citizen Bank. Now Im afraid that someone knows my social security and my Date of birth and will use my information to open accounts under my name. And the bank representative also advise me yo report this matter to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CRA failed to removed alleged debt. Requested debt verification with debt buyer on XXXX, they replied with stall letter and no proof this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a 30 day late on my credit report. I wasnt notified until my credit scrore dropped. I filed a complaint for the wrong doing and included my email. I reveived an email from them today and this hasn't happened until I included my email on the complaint. This company is using tactics to cover up not properly notifying me before ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CITIBANK, N.A.
State: UT
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 customer service

Complaint:
On Tuesday XX/XX/XXXX I called Citi Bank for support on my credit card. 

The representative laughed at me, told me he couldnt provide the info I was requesting. Upon asking for a supervisor they continued to laugh. Told me theyre done with me and transferred me back to the queue. 

This person has access to ALL of my private info and still refuses to help. They laughed, mocked that I was out of state for a funeral and then essentially hung up by transferring me. I can only assume theyre stealing identities as they are clearly not being a customer service rep. They claimed they couldnt help with any of my XXXX  requestsAnd did everything in their power to escalate the situation like laughing at me, refusing to connect me to a supervisor. Refusing to provide a 10 day pay off and the address for check payments. 

The next representative assisted with all XXXX requests. This is clearly a problem with a representative that is not going to be addressed.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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