BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX an unauthorized charge of {$170.00} was issued on my account. I called the bank to see what else had been charged, in total i saw two transactions that didnt look familiar. The {$170.00} charge, and a {$1.00} charge from XX/XX/XXXX that I did not remember. Claim was filed and letter was received saying the transactions were authorized and the claim was closed. I still did not authorize the charges. I lost my wallet, and I told that to the banker on the phone thus they sent me replacements for both my debit and credit cards.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX P XXXX XXXX XXXX ) XXXX ( F XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of XXXX, with all bill paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from TransunionXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Case # XXXX XXXX County

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022

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 2023-11-27
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am writing to report an issue with my mortgage loan, initially taken out with Lennar Mortgage LLC. The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. 

I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXX XXXX XXXX XXXX, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this 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 2021-03-12
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in active bankruptcy but my home is not included in that because it is an investment. I contacted specialized loan servicing in XXXX about doing a deed in leu but they said that I could not because I was in active bankruptcy. At that time I did not have a tenant and asked could my home be taken due to me not paying and they said no because i was in active bankruptcy. I explained to them that the home was not in the active bankruptcy and they stated it did not matter. I received notice on XX/XX/XXXX from attorney about foreclosure on XX/XX/XXXX. I contacted specialized loan servicing and they said that I could not do anything to stop the foreclosure. I sent in modification documents and they are saying that I had to do that 45 days prior to sale date. Well I did not know anything about a sale date. No one there is trying to 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 2021-03-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2021 Ongoing Complaint Number # XXXX Resubmitted on : XX/XX/2021 Company refused repeat to change Due date? The last request was mailed on : XX/XX/2021 which Wells Fargo stated past due 10 days? 
XXXX Payment 2021 due on : XX/XX/2021 which was paid on : XX/XX/2021 Confirmation Number # XXXX {$420.00} XXXX Payment 2021 - Due date : XX/XX/2021 which was paid on : XX/XX/2021 - Confirmation Number # XXXX {$420.00}. 

there is ongoing Grace Period of XXXX of the month, so No Payment is 10 days Past due as reported by : Wells Fargo?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Nelnet : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2021-03-13
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:
This account is still reporting invalid on my credit report they will not update it with the correct information because its listed as a closed account, when I call and ask them to please correct the invalid information on the closed account they try to tell me that because the account is in a closed status that it doesn't matter about the way it's reporting but yes it does cause its still affecting my scores.

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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase bank take the money of my account and let my account with negative balance and add charge. I called but they didn't knew the problem? Next they said that was a difference on the deposited that 3  months ago. But now my account have negative balance for charge of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ordered flowers on their website XXXX on XX/XX/2023 order XXXX for {$130.00}. All I received was an emailed receipt. They took the money out of my bank account via my debit card and never delivered the flowers. I called both numbers listed and the phone rang and rang, and no one picked up and I got a voice message claiming voicemail was full and it hung up. Second number I called I got no answer at all and it disconnected me! I then called US Bank to try to stop the payment and she said they could not and has to dispute the charge. She then filed the dispute her name was XXXX. Complaint XXXX. This website and those running it are committing fraud and I want this complaint shared with the FTC, FBI Cybersecurity unit and IL and Oregon Attorney Generals offices!!!

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 2021-03-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. XXXX has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from XXXX ; 2 ) loan payoff guarantee for {$48000.00} from XXXX ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with XXXX through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, XXXX has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Hello, Good morning, my name is XXXX XXXX and I have a credit card with navy federal for about 2 years now. In 2021 is all when the fraud started with this card. We have asked the company repeatedly to not share our card number or send it virtual in an email is it can be compromised. Of course they did do this and the card was used in XXXX and XXXX. My husband and I are showing almost XXXX of debt on there for 80 % of charges we did not complete we have tried to look at everything and go purchase by purchase but it is too difficult to identify which purchases we made vs. Fraud. We are seeking at this point a settlement amount and the account closed. This is not fair to us as the customers to have over 10 fraud obstacles. We have been beyond frustrated and exhausted all energy. But with a XXXX XXXX paying off for what others have used we will not be doing that. We have not disputed this or reporting most because as stated above we have no clue what some of these charges are. We have charges for overseas prices. This should be caught in the first place. As stated above we are seeking a payoff amount so this does not go to our credit for our future house but we will not be paying this unless there is an agreed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
EQUIFAX CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
LVNV funding LLC HAS reported my address is XXXX XXXX XXXX XXXX I have never resided there and I have proof of reports with my mail being directed there with my authorization and me paying to fix it to the correct address Ive disputed there information and they refuse to remove it they are reporting false reports on my credit report resulting in derogatory marks and comments I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I still have a active fraud alert after I repeatedly disputed and turned off the alert

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 2023-11-27
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got an alert from XXXX saying there is a new collection on my credit report. This debt was reported to my credit before the company spoke to me and they did not send a debt validation notice. From my limited understanding, this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-15
Company: U.S. BANCORP
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:
I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called Elan Financial Service regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX World Elite I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CREDIT ACCEPTANCE CORPORATION
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:
The name of the creditor in question is XXXX XXXX XXXX Now this was originally an auto lone for {$17000.00}? opened in XXXX. The vehicle was totaled in an accident in XX/XX/XXXX, and paid by the insurance. Ive called them before and theyll say they are going to remove this account but they never do. Instead they have put that i owe {$10000.00}, then {$10000.00} literally on the same report. Im not even sure where they got that from but my problem is that Ive never signed a loan or deal of any kind for that amount, and it even shows that the accouint is open and that ive never made a payment on this said balance or account. ive gotten nothing but the run a round from them.this account has been on my report for over 7 years as they continue to move the date, please help. it shows as if I have an open car loan that ive never made a payment on and that is totally false.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: KY
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 withe the fair credit reporting act XXXX  acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy.

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

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