BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking to get concert tickets at a cheaper price through XXXX, and I asked for proof of the tickets, which the person had. I agreed to Zelle the person 's friend, who would send it to them. They then did not send me the tickets, and they presented themselves as legit from XXXX. This was a scam, and I am not able to get my money back from the person, and the bank ( XXXX  ) is unable to as well. 
Email of the person I communicated with : XXXX Email of Person Zelled : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up automatic payments with my new mortgage company, and they withdrew double amounts and penalized me with overdrafts, return payments from other automatic debits, and are charging me for a returned check and missed payment now. This loan started with XXXX XXXX, was sold to XXXX XXXX, and now Mr. Cooperand in over a a years time frame, this is the first time I have had a mortgage payment issue. I called the company and they told me it was their mistake but they couldnt refund me, and that I would have to send them an email and a fax with the written description of what I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BayView Loan Servicing acquired our loan in XX/XX/. I have made contact with the company, trying to make payment arrangements and apply for a loan modification. The company refused to communicate with me on either idea. We have never received any written communications, letters of default, or loss migration information that we are entitled to. I have tried to let them know we can make our payments and a little more each month to get caught up with no help from this company. 

The only notification I have received regarding my loan status was the notice put on my door on XX/XX/XXXX stating our house is being posted for public auction on XX/XX/XXXX. 

I have XXXX children and can not loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an check from XXXX insurance company, I deposited it into my account it was approved and ta few days later made available. The same day it was made available I had a problem with an insurance company charging my account which was unauthorized. I additionally received my paycheck, I tried to XXXX  my mom money for rent and it placed a hold. Okay so I waited for the morning and tried calling in and I have to speak to a fraud representative. This representative XXXX is very hard to get into touch with, the entire department is. I was told I would receive a call back Friday before the end of the business day after sending in proof of the check stubs and check from the insurance company and never received a response. I call in today and was told by a banking employee that they can only hold my account till Thursday XX/XX/2023. Upon finally speaking to an fraud agent I'm being told it can be held for 14-20 days. This is completely, unacceptable. I am a working adult who has bills and responsibilities and this type of service is unacceptable. I asked them if theirs an issue with the check to just remove it from the account and i will walk into the local bank where the check was issued, they don't wan na do that. They say it's about authenticating the check and I have worked at a bank, I know you can call them and ask. I just want access back to my account and the hold to be lifted.

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 2022-06-03
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/XXXX. On XX/XX/XXXX Navy federal credit union transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. 

I filed a complaint with CFPB on XX/XX/XXXX. Navy Federal Credit Union responded to the complaint by stating that I owe {$13000.00} for a credit card. 
This is false. I do not agree with the amount Navy Federal is attempting to collect. I never received documentation regarding this debt and was never provided with an opportunity to dispute the debt. The only credit card I had with Navy Federal Credit Union was closed and charged off in XXXX of XXXX. I moved to Illinois in XXXX. The statue of limitations to collect a debt in the state of Illinois is 5 years. I Never agreed to make a payment toward this debt. 

Navy federal credit union STOLE my refund money from my savings account and fraudulently applied it to a closed credit card account from XXXX to reset the clock for the statue of limitations. I Never agreed to this and was Never notified. My consumer rights were violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
on XX/XX/2022 my credit card was charged 4 fraudulent charges : 1 XXXX XXXX  for - {$57.00} 2 XXXX XXXX - {$20.00} 3 XXXX XXXX for {$20.00} 4 XXXX charge for {$500.00} I reported it immediately to my Wells Fargo credit card and they investigated and decided that all the charges were fraudulent except the XXXX one. After many attempts of requesting information on their investigation to see how they came up with the conclusion that all the smaller charges were fraud and the large one was not. I have requested documents of their investigation and they refuse to provide it but yet expect me to just pay for it. It is absolutely frustrating, but then again its Wells Fargo and they feel thay can just get away with anything.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: FL
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 was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I open a card by capital one and a week after got the card they ask for proof of income I send them account statements but they didn't except it so they froze my account after 30 or 40 days they froze the account I called to close it and they didn't wana wave my XXXX fee for yearly even when I couldn't use the card because the froze it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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 information incorrect

Complaint:
Complaint # XXXX Transunion XXXX XXXX does not show on my report as of XX/XX/XXXX File # XXXX It does not show and it is right according to the report mail to me on XX/XX/XXXX by 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 explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts 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 explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # 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 Also, there are a few inquires that shouldn't be on my credit report. 

Following, XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX NJ Inquired on XXXX XXXX, XXXX Business Type : Credit XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/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 2019-11-05
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Good Morning, I checked my credit report as I am buying a house. Fifth Third Bank has made a late payment reporting 3 times since XX/XX/2019. Per my conversation with them they did not have my correct address and at no time have sent me notification via : mail, email, phone, etc. My current credit history is perfect with all payments made on time. 
They told me that they call and mail as a courtesy but are not required too. There has been no means of contact by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-05-09
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 belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2019-10-31
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I leased a new XXXX XXXX XXXX in XX/XX/XXXX. The lease ended in XX/XX/XXXX but I extended the lease to XX/XX/XXXX. The monthly lease amount was {$300.00} for the term of the lease. 

In XX/XX/XXXX, the company decided to add an add'l {$20.00} to the payment making it {$320.00} stating the difference was sale tax. The base amount of {$280.00} and the sales tax of {$19.00} totaling {$300.00} should not have changed. The {$20.00} represents sales tax being charged on the base plus the {$19.00} sales tax. 

I've made countless phone calls and sent letters over the past 5 months. They continue to say I owe the money and send me paperwork I don't ask for. Management was of no help either. 
Now they are charging me {$50.00} in late fees which are included in the {$110.00} they say I owe. I do not want this to show up with the credit bureau which I stressed to them.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Two XXXX XXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my updated credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$6700.00}

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