BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraud on my navy federal checking account. The fraud wasb carried out thru XXXX. which is what i thought a safe and widely used way to send receive money which exposes. Your account numbers. The fraudsters used these numbers given by me thru plaid to steal like XXXX from my account. As soon as i noticed i contacred navy federal and was able to stop some of the transfers. I did everything possible to prevent and stop any further damage to account. Navy federal refunded me my money then a month later on payday nfcu took all of my pay check without any warning to me. Nfcu some how denied my fdic insuramce on my money. Which was not my fault. Very dirty customer service. I closed my account. I believe navy federal owes me my fdic insured money back to me.. further actions will be taken if i dont reveive my money they stole from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} SUCCESSCU XXXX {$12.00}

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
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dept of Ed/XXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: PA
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 have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
After submitting my completed COVID 19 Forbearance request package in XX/XX/2022, I received a letter stating that you have received all the documentation you need from me and I should receive a response in the near future. After waiting some time, I called customer care requesting the status of my request only to be told I was approved for a VA traditional modification but my payment was late. I never received the decision letter and the customer care agent was able to confirm that the letter had NOT been mailed and flagged my account for escalation. 

I called numerous times during the next few weeks and the incident was escalated again with no response from legal or the escalation team. After receiving no response on the escalation and customer care agent and I agreed that it might be best to submit another package. I started on the new loan modification package in May and submitted the final document needed on XX/XX/2022. Approximately a week later I received a letter stating that no further documentation was needed and I should receive a response in the near future. I was still awaiting that decision when I received the letter stating that a foreclosure hearing had been scheduled. 

My home is being sold at auction on XX/XX/XXXX. I've requested an extension to try to sell the home myself because it has quit a bit of equity in it but to date I have heard nothing from Freedom Mortgage.

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 2022-11-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, so I have been in contact with the the credit bureau about account XXXX XXXX XXXXXXXX account that have been reporting inaccuracies I have sent letters reporting the information in XXXX XXXX the information was removed from on credit bureau but not the other XXXX which have been affecting me and my score tremendously. I need the information to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company sent me a letter stating that even after I submitted the Identity theft report they are still reporting it as mine.

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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, a representative came to my house for a fence installation project. Lowes offered financing of a 7.99 % simple interest loan and equal payments of {$230.00} a month for ten years through their apartment Synchrony Bank. The total amount of the purchase was approximately {$22000.00} ( which was split into two different payments ). I have been paying on time every month. Recently, the bank started charging me a crazy 27 % of compound interest on the purchase, claiming that the promotion had expired in addition to adding nearly {$5000.00} of interest charged to the account. The bank increased my required minimum payment of {$230.00} or so to approximately {$740.00}. They are damaging my credit due to the inability to make this huge payment that I did not sign up for, they are causing me hardship. 

I started contacting Lowes and the bank about the issue on XX/XX/XXXX, and to date, I have no resolution. After many attempts to resolve the issue, Lowes admitted they applied the incorrect promotion when they charged my card. Lowes claimed that they fixed the situation with the bank ; however, it appears that neither the bank nor Lowes want to honor the 10-year equal payment terms. Lowes wants to put me on their current promotion, which is 84 months rather than 120 months, with a significantly higher payment still. 

Lowes was not transparent with me when the purchase was made. Lowes also refused to give me a receipt of a copy of my contract. It is difficult to contact Lowes and their employees are irresponsive. 

I am attaching an account statement that shows the recent interest charge and change in minimum payment.

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 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
From XX/XX/XXXX XXXX XXXX  until XXXX XXXX XXXX  I fell victim to multi-layered scam operations run by XXXX XXXX, a fake company, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms. 

Bank of America never provided me with a written response, nor did they attempt to comprehend the situation. They just provided me with the response that they cant do anything, completely ignoring the fact that they breach the duty of care, and failed to protect me as their client.

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 2022-09-25
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Resource Management is reporting on my CR with a " debt '' that state is owed by me, natural person. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Resource Management or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Resource Management. I have yet to witness a " wet ink '' signature between myself and Credit Resource Management nor have I ever received a True Bill in commerce in regards to this account. There is NO valid contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a 6 month short term forbearance agreement with Flagstar XX/XX/2019. I have been employed as an XXXX  XXXX as of XX/XX/2019. 

I uploaded all required documentation for a loan modification review to Flagstar 's web portal in XX/XX/2019, including a 3rd party authorization. In all my subsequent calls to Flagstar ( 10+ calls in XXXX/XXXX  ) to confirm the documents have been received, I am told documents are missing or need to be changed. I can locate and view all the documents on Flagstar 's portal which I am told are missing. Flagstar 's representatives are not able to locate them, or provide  consistent information on what is outstanding. I have detailed notes from each call, indicating date of the call, who I spoke with, what I am being told is missing, and what needs to be changed. I have verified repeatedly that all documentation is uploaded and accessible on Flagstar 's web portal.

My authorized 3rd party has also called Flagstar on 3 occasions since XX/XX/2019 and Flagstar has stated each time that they do not have the authorization. It has been posted on Flagstar 's portal since XX/XX/2019, and I can locate and view it there. 

My concern and complaint is that Flagstar is not performing the loan modification review, which is a barrier to getting a repayment agreement in place as soon as possible.

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 2023-07-12
Company: Kikoff Inc.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have no recollection of ever opening one of these accounts. Theres a {$5.00} balance that has hurt my credit and this account isnt approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a derogatory account reporting on my credit that is not mines. I do not recognize this account and neither have I ever opened this account on my behalf. The information being reported is inaccurate and does not match me. I have reason to believe this is a result of an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company, Nationstar Mortgage purchased our Mortgage last summer ( XX/XX/XXXX ). In XXXX, our payment dropped down, as the insurance policy had been paid, which had been carred through our formal lender, that sold our note to Nationstar. In XX/XX/XXXX, we began to look for the notice of the new Policy, in XXXX, we asked on the phone. We were told there was no policy in place and our payment was the same. $ XXXX/month. We asked again in XXXX, and in XXXX, with the same result. In XXXX, however, we received a notice that they had, infact, placed a Hazard policy in XXXX, and now want $ XXXX/month. We immediately sought and found our own policy. As well as notify Nationstar of our intent to do so, To my Astonishment, I was told they had paid for this policy with no notice to me at all, until three months after the fact. I still dont know if they will accept of refuse to accept the policy I have acquired. I do know they are not applying our payment to the mortgage note, as it is not the {$720.00}, they want. They have accepted the payment, and cashed the check, but they have placed in a holding account, rather than apply it to our note. I have found the following Link, for your convenience, concerning the consumer protection act in regards to this particular topic. You will find, about half way down the page, in section ( c ) requirements before charging the borrower .... Please help me keep our home. ( Please note : today, XX/XX/XXXX, I have established the online access with Nationstar to obtain documents to send with this complaint. I see in the statements, below the amount due section, which still shows the {$470.00}, and is what my husband saw, and called in, and was confirmed as the actual payment due, these statements show the hazard policy amount appearing in XXXX. Still, there is no advance notice of this purchase that I can find. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
When I closed my mortgage in 2014 at a local bank here I was required to have PMI -private mortgage insurance. I have heard and read in countless places that this insurance is only required until a certain Loan to Value is reached, which I believe I reached a while back I am easily below 80 % ( XXXX estimate puts my LTV at 60 % ) and I have no additional liens. but here is the thing : I have called US bank multiple times over the years about it and Ive been told that I must pay PMI over the entire life of the loan because it was shown in an amortization schedule. I cant find in my loan docs any really clear specifics about PMI, and I was never told the presence of the amortization schedule was a guarantee of payment over the entire life of the loan, and since Ive seen legal thresholds observed elsewhere, I am concerned my money is being taken inappropriately. I dont want to pay the ~ {$60.00} a month when all of my friends and family in similar situations say their mortgage companies dropped it. Can someone please look at canceling the PMI, and providing a refund for the overcharged amounts? I know US Bank is one of the biggest banks in the country, and this practice feels like a serious UDAAP violation.

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 2023-09-20
Company: EQUIFAX, INC.
State: GA
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 response to consumer: Closed with non-monetary relief