BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
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: Personal information incorrect

Complaint:
On XX/XX/2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 Attempted to transfer funds between accounts, but was denied access. They also arbitrarily closed my checking account without notification. When I asked why they were attempting to collect a debt. I am a XXXX retired female who has limited income. I specifically requested the checking account last year and was using it. I believe their actions are illegal and discriminatory against XXXX retirees. I have notified my attorney of this action, Help Is Here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: NC
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 received an alert via the Experian app that an " update to my court records '' had been posted. Upon further review, Experian notified me that my account had additional names attached to it that was not mine. The name attached was XXXX XXXX XXXX. Whereas my name is XXXX XXXX XXXX, XXXX. Upon updating that information I was instructed to check my credit report to ensure all information was accurate. I then checked my credit report and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to Experian, I was initially instructed to contact the " request originator '' ( company that pulled my credit report ). Upon doing so, I was informed by the companies that there was no record of my application on file. I was also told by the " request originator '' that the only course of action I had was to reach out to the credit reporting agency. I have since then reached out to Experian to inform them up this information, only to be met with the statement " there is nothing we can do until you call them '' /. After repeated communications with Experian informing them of the situation, I was left with no resolve. I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.

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 2020-03-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to my bank to cash in some bonds the bank teller put in the wrong date of the bond and the wrong iinterest rate, she paid me too much and Put me in a awful situation they took every dime I had in my account and charged me for the their mistake

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX   XX/XX/XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX, I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, 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 2021-03-10
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has recently charged me a late fee on my account. I submitted a payment for my XX/XX/XXXX on XX/XX/XXXX, however, the payment was declined by Navient as an incorrect routing number was submitted for this payment unbeknownst to me. Email confirmation I received should a valid payment. 

I recieved a late fee due to this and have contacted Navient regarding this. Navient has stated they would not reverse the fees due to the fact that recent late fee was reversed as a courtesy and they could not do this at this time. 

I explained that the late fee I was charged in XXXX was paid in my payment and there was no late fee to reverse charges on. 
Furthermore, I paid the late fee in XXXX without knowledge or notification of what the late fee was for. At that time my XXXX and XXXX statements both showed a late fee for the same amount that had been paid. 
I called Navient to find out 1. ) what was the late fee for and the time period it had transpired. 2. ) how long would these late fees be charged and I could not gather information on when or why this was occurring. I have a previous complaint regarding this matter.

I was told by the CS representative that when a late fee is charged to the account the customer needs to call Navient to have any future bills cleared on the statement or they will continue to show on future billing statements. I was informed that the late fees dated back to XXXX and XXXX. I was not informed of this that I can recollect and have not located information warranting this action taken on Navient 's behalf. 
I have sent Navient a reply email stating that I am formally disputing this new late fee and am awaiting a response. 

Navient 's billiing/financial practices are unethical, damaging to consumers and Navient needs to be held accountable for their lack of ethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 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 2019-07-04
Company: Experian Information Solutions Inc.
State: IL
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 am submitting a complaint as a last resort. I have tried to work with each bureau for over the last XXXX years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.

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 2023-04-01
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The year of 2021 included a total amount of XXXX $ in overdraft fees. Wells Fargo refused to reimbursement these amounts.

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 2019-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I spoke with a Capital One representative in XX/XX/XXXX and was told that my account would be in good standing for 28 days. I scheduled my payment on XX/XX/XXXX. I got behind on my auto loan due to downsizing with my employer. I communicated with Capital One that I wanted to keep my vehicle and was making strides in restoring my account. On the call I made on XX/XX/XXXX, I was told that I would be able to make arrangements on my auto loan to by a modification as soon as my payment was received. With my account in good standing. On the XXXX I was emailed documents to complete and was instructed to fax them back once they were completed. I completed the forms and fax them back as instructed. I contact Capital Once on the XXXX to ensure that my forms had been received. However, I was told that they weren't received. I re-faxed back several times unsuccessfully. I asked if their was another way for the form to be submitted and was told that I could email them. I emailed the documents and they were received. The representative told me I would hear back from someone in two weeks. I NEVER received a call. On XX/XX/XXXX I received a letter informing me that Capital One had attempted to contact me & that I had to the XXXX to respond. I didn't receive the letter until the XXXX .Also, I have no voicemail from Capital One & was informed that my voicemail wasn't set up when it indeed is. I never have had a problem with them contacting me until now. Since I received the letter on the XXXX th & the XXXX was on a Sunday. I asked them if they would be willing to work with me since I just received the documentation and had no other contact from them and was told that the modification was denied. I asked to speak with a supervisor and was told that their was not a supervisor for that department. I continually asked if their was someone else I could speak with to assist me & was finally transferred to escalation department. When transferred the representative was rude and interrupted me frequently not allowing me to speak. The representative was not at all helpful.My vehicle was repossessed on XX/XX/XXXX. I have been trying to resolve. This is not the information I was given when I spoke with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NV
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX Provided a service in that was not properly ran through my insurance. The then remaining balancing was not requested at the service address. By the time i was informed of the balance by WAKEFIELD & ASSOCIATES it was to late to request that my insurance run a past due balance. i have attached my proof of coverage and current Social security wages statement. 
My credit report shows the date opened as XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, 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 2021-12-21
Company: CITIBANK, N.A.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer from my CitiBank checking account to my account at XXXX XXXX on Friday XXXX. It was blocked by the Citi Fraud Department ostensibly due to its size and their concerns about validity. 

I went through a lengthy verification process on Friday and Saturday and was told on Saturday that the wire would go through. 

Sunday I received an email advising me that the wire was cancelled. I went through another lengthy verification process and was told to re-submit the wire Monday. I did so. 

Monday afternoon I was advised the wire was on hold. I went through a 1-hour + verification process and was told " the wire will go through on schedule ''. 

Today ( Tuesday XX/XX/21 ) I received another email advising me that the transfer was on hold. I called and spoke to one agent who ultimately could not help me. Further injuries were blocked because Citi has a limit of 5 text-message-confirmation-codes in 5 days ( which had been used due to all the calls I made ). I can not now talk to anyone in Citi, nor can I log on to my account ( it has been completely blocked ). 

I previously had trouble obtaining a promised {$700.00} bonus for depositing {$50000.00} and leaving it for a specific time ( which I did and more ) ; we were lied to and given conflicting information for a week or so until Citi finally provided me with the bonus. 

Now when we need the money for a home purchase- we are in escrow - Citi is refusing to allow us to transfer the money but gives no reasons why. 

We believe this is a deliberate delaying tactic - as we experienced with the bonus - and need help in having Citi release the funds.

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 2021-04-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
According to 15usc 1611 Experian TXXXX XXXX XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640.

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment.

Aslo, apologize.

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : XXXX XXXX XXXX 
Cc : State Senate.

Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency

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 2021-12-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV
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:
I am wrongly having my information towards my experience and transactions please see attached letter for further details

Company response to consumer: Closed with explanation