BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?

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 2023-07-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/2023, Id been in the process with Navy Federal of getting a Letter of XXXX XXXX that I could move forward with the sale of my vehicle. I provided all the information that the Navy Federal requested to proceed with this process and cooperated fully. I explained that I was trying to complete the sale on that day ( XX/XX/2023 ) due to the possibility of me not having time throughout the rest of the week to go through with the sale of my vehicle. I was told that the process might take some time, but the possibility of my receiving the letter on XX/XX/2023 was doable. Around XXXX XXXX, I spoke to a representative in XXXX XXXX  regarding my Letter of Guarantee to see if it would/could be processed that day. Id also explained that I was at the dealership, and they were waiting for the letter to complete the sale. I understood it couldnt be done that day, but the representative told me my Letter of Guarantee would be available that day ( XX/XX/2023 ). She told me to check my email and the Navy Federal e-message for the letter within the hour. I hung up and waited for the letter but did not receive the letter at all. On XX/XX/2023, I called back to find out what happened to see why I hadnt received the Letter of Guarantee yet. Id further explain that I might not have the same time to complete the sale if the letter was not sent promptly. I still have not received the letter at the time of this CFBP submission, and I am still waiting. I was told false information from the last representative I spoke with in XXXX XXXX  on XX/XX/2023. If this process could not be completed on that day, she should have relayed that information so that I could have done something outside the expectation that Id receive the letter that day. Im very unhappy with the customer service, deception, and inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: NC
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 contacted Equifax on XX/XX/2018 about four amounts on my credit report file, which do not belong to me. The bills are from XXXX XXXX XXXX  . I asked Equifax to remove the amount from my report because the did not belong to me. Equifax told me they will investigate and they did not do anything. I called again on XX/XX/2018 about the same problem, it has still not been taking care of. Today XX/XX/18 I called Equifax to remove the four collections from XXXX  on my credit report and they refused to remove the charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: NV
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/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.

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 2024-01-02
Company: January Technologies, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called XXXX. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a January Technologies from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from XXXX although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to XXXX in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. XXXX has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have contracted a no interest if paid in full loan to pay an XXXX unit from XXXX through Wells Fargo. I have inadvertently missed the paid in full due date by a few weeks and am now being charged XXXX $ Interest for an initial loan of XXXXXXXX XXXX ( contracted XX/XX/XXXX ). When I realized that the interest has been charged ( XX/XX/XXXX ) I called Wells Fargo customer service and offered to payback the loan but the bank did not offer any solution ( there was less than XXXXXXXX XXXX left to pay on the loan at the time of the promotion deadline on XX/XX/XXXX. I would like to complain as it does not make sense that, while I have never missed a payment and with only XXXXXXXX XXXX left on the balance, I now have to pay an additional XXXXXXXX XXXX  on that loan. This is abusive. Also, how is it that the payment schedule agreed at the beginning does not allow me to pay in full before the expiration of the promotion period? This seems to be designed to have customers missed the deadline.

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 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of america claims I cashed a secured credit card check 2 years ago I did not. 

It is a fraud and no one at bank of america will help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I reached out to chime regarding the issue, they had absolutely no reason to close my account, when I called to inquire about why or what had happened there was no answer they could give me, I was told that someone would reach out to me within 24 hours and they never did, I need this issue fixed in a quick & timely manner as Ive done everything on my end, a fair resolution is getting my account reopened because it was wrongly shut down without any explanation and Ive only used my account for receiving money through my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Yet AGAIN! Wells Fargo tried to put Insurance on my ELOC with them equity line of credit therefore needs no insurance but I have my mortgage company is XXXX XXXX and they provide the insurance through escrow so there's no need for Wells Fargo to put Mortgage on ELOC and there's only an {$8000.00} balance but they show {$11000.00} on my credit report & several times I've asked them to fix that to no avail! I believe Wells Fargo are criminals & moving forward I wish I didn't have to do any more business with them! I would like for them to turn this ELIC over to XXXX XXXX, my current mortage co!!! again they try to say it's a second mortgage is not a second mortgage which gives them the right to just change my ELOC to a second Mortgage saying yes so now we can put insurance on it. That is just XXXX. They should not have put insurance on my ELOC at Wells Fargo, but they always do now they're messing up my credit they're messing up my credit score, they have False implications in there. I have showed them the proof of insurance. My current insurance was from XX/XX/XXXX to XX/XX/XXXX so they have no reason to put any insurance on my ELOC. Now they think I owe them {$1000.00} no, I say no if they pay some insurance that's their fault they should apply it back to the end of my loan. They should never have applied insurance on an ELOC in the first place. Please help It's the same thing I complained about a couple of times before.

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 2019-08-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my Citi checking account under a promotion that said you would receive XXXX XXXX XXXX XXXX miles for fulfilling certain terms. I completed terms immediately ( spend at least {$400.00} on your Citibank debit or ATM card within 60 days of account opening and download the Citi XXXX app and log into your new account ) and then was supposed to receive miles 90 days after completing activities. I should have received the miles on XX/XX/XXXX, but Citi randomly closed the account on XX/XX/XXXX without my authorization and then denied my dispute for the promotion because they said my account was closed ( they also cited incorrect promotion requirements in the denial letter ). On top of this, they charged my a {$25.00} on XX/XX/XXXX and then closed my account a day later on XX/XX/XXXX. They said they couldn't refund me the monthly fee because the account was closed. But this seems pretty ridiculous, to close my account a day after the fee being charged and then saying i can't get refunded because the account is closed. 

Also! My husband opened an account under the exact same promotion, did the exact same things I did to meet the requirements, and he was able to get the promotional miles and the first monthly fee refunded as they never closed his account without permission. This is infuriating that a bank that took bailout money ( taxpayer money ) could then just take money from me like 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 monetary relief
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My credit card with Capital One started having problems around XXXX when I was given credit limitations and they seem totally inappropriate for my account and I had a bank account with them. My card got stolen and then I got a new card that got eaten up by a Capital One ATM and nothing was ever done about it. I found out that they were only giving me like basically a {$500.00} limit for the entire card which I found very hard to believe and my credit score was that XXXX before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: CA
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:
I have XXXX hard inquires on my Experian report that need to be removed. I wrote to them via certified mail about removing XXXX hard inquiries but they responded with only removing XXXX. This is fraudulent because I never authorized any individual from the listed companies to pull or review my consumer report and I also did not give Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ).

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 2021-08-15
Company: Experian Information Solutions Inc.
State: AL
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:
Civil liability for willful noncompliance is a civil lawsuit pursuant XXXX5 USC 1681n.

Experian You continue to willfully ignore the Federal laws you violated. I will not stop until I get my remedy. I have sent disputes time and time again and you continue to ignore FEDERAL LAW. I've sent a dispute on XX/XX/21 and XX/XX/21 showing the LAWS you have violated. I also sent proof from the company and you still ignored it while saying verified without any proof which is another violation of FEDERAL LAW 15 U.S.C 1681. Pursuant to 1681 ( c ) ( A ) ( 5 ) any adverse action is to be excluded from consumer reports. As a consumer, I demand that you remove DEPT OF VETERANS AFFAI XXXX off my credit report and never reinsert it again. By not adhering to my rights you are in violation of government law and I will move forward with litigation for damages and willful noncompliance. As a consumer, I have a right to privacy pursuant to 1681a. The affidavit should be answered line by line and if not I will be using the documents for exhibits that will prove you are in violation. This is my right and I will not hesitate to pursue further actions to enforce the protection of my consumer rights if need be. You are not to go to the data furnisher I'm the Orginal Creditor/Natural Person I say what I want to be on my credit report or not. It's my RIGHT to do so. I exercise my right as a consumer and tell you to remove DEPT OF VETERANS AFFAI XXXX off my report. I'm not asking, I'm demanding!! Don't tell me to send you any extra documents or that you have to check with the creditor, it doesn't matter. You are violating Federal Law by furnishing my personal information without my consent. That's called identity theft, and those are criminal ACTIONS!!

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 2023-12-29
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2019-07-02
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of identity Theft. I obtained a police report # XXXX. Please block and remove all information from my credit report. The following item do not belong to me and is a result of fraud that I did not authorize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Freedom Mortgage Company
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello XXXX XXXX XXXX My name is XXXX XXXX and our account is under XXXX and XXXX XXXX and our loan number is XXXX and I am opening up a 2nd complaint with the  Consumer Finance Protection Bureau against Freedom Mortgage. The first complaint was filed in XX/XX/XXXX and the origianl complaint number is XXXX. As part of resolving the issue of my payments taken out of my bank accounts by XXXX and not being posted to Freedom Mortage, my credit was to updated to reflect that my account was actually current. As part of your own wording that was to be done, which now I find that your company still refects that in XX/XX/XXXX I was 30, 60, and 90 days late. I am in the process of trying to purchase a new home, to be financed by the builder. I was contacted by the lender and told that unless this credit reporting is resolved quickly I can potentially lose the home and the closing costs which would have been available to be paid by the builder once the credit is approved. I have included a copy of my orignal complaint and your response. I need this issue resolved immediately, as it was to be almost one year ago. Please contact me directly at 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: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation