BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 am writing to request assistance in an unresolved matter with the Navy Federal Credit Union ( NFCU ), XXXX. XXXX XXXX, XXXX, VA XXXX regarding a fraudulent transaction. On XX/XX/2019, the enclosed check was deposited in my sons account in the amount of {$900.00}. NFCU was notified us that the check was deposited via mobile app ; my son does not do online banking, let alone mobile, and he reported the transactions as fraud. 

During this transaction, {$900.00} deposited and {$200.00} was withdrawn on the account which in turn the account was overdrawn and my checking account was debited {$210.00} for insufficient funds in that savings account. I do not believe that a thorough investigation could be completed in 1 day and it appears that NFCU automatically believe that my son made the fraudulent transaction. 

In reviewing the enclosed check ; his account number, nor is that his handwriting ( signature ) does not appear on the check, only the bank routing number, a phone number with an area code ( XXXX ), his phone number is a ( XXXX ) area code. Ive also tried to locate the persons to whom the check belongs to. 

I opened this account when he was a child, making me a custodial account holder ; when my son reached legal age, he was the primary owner, I never signed any documents to be a joint owner, in which NFCU claimed that I was a joint owner on the account. If I was a joint owner, there has been several occasions when I made inquiries into the savings account, but was told I was not the owner, and need primary owners permission, but Im being held responsible for fraudulent transaction on this account. 

I am asking for your assistance in getting a resolution in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
On XX/XX/2018 COAF did a hard inquiry on my credit report. I have never tried to apply for a loan nor have I ever had any interactions with COAF. This hard inquiry was made without my permission. 

Institution Information Coaf XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
I am disputing how NATIONSTAR/MR COOPER/RIGHTPATH SERVICING has changed how they report my mortgage balance to all ( 3 ) credit bureaus. Prior to and during my CARES ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification before NATIONSTAR/MR COOPER/RIGHTPATH SERVICING purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, NATIONSTAR/MR COOPER/RIGHTPATH SERVICING suddenly decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least 5 years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because NATIONSTAR/MR COOPER/RIGHTPATH SERVICING gave me no options to come out of the forbearance like most customers normally could. It was after fighting, pleading and begging them for MONTHS on end did a nice customer representative take pity on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then lumped into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$120000.00} to a new mortgage balance of {$190000.00} on my credit report. This drastic increase has caused my XXXX XXXX to drop XXXX points w/ XXXX XXXX XXXX and a whopping XXXX points w/ XXXX. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested NATIONSTAR/MR COOPER/RIGHTPATH SERVICING service my mortgage loan in the 1st place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the CARES ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my CARES ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$130000.00} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$130000.00}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: OR
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 had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment. 

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at. 

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..

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 2023-06-23
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Can this please be removed this was sold to another 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 2019-03-07
Company: The J. G. Wentworth Company
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against JG Wentworth Mortage/Home Lending On XX/XX/19, I made a payment to my Mortage company that was significantly larger that the amount due. My expectation was that this would follow the normal process, and the excess would be applied to principal. Instead, JGW took the excess, and considered it a forward payment on XX/XX/XXXX. Upon seeing the mistake on their website, I contacted them, and was assured that the mistake would be corrected. It was not, and 4 more  contacts were made in XX/XX/XXXX, and in each instance, I was assured that the problem would be corrected. On XX/XX/19, I was told that their computer system was incapable of making this change, and that they could not correct the error. 

Although this may seem like a minor problem, please note that I made several principle payments in XX/XX/XXXX, and my monthly interest cost has dropped from {$1300.00} to {$900.00}, so XXXX is awarding themselves {$400.00} for their incompetence. 

Their customer service in this situation has also been horrible, they make promises to call me back with resolutions, and never do, and when I submitted an e-mail about the situation, they failed to provide a suitable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$330.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}.

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 2023-06-20
Company: EQUIFAX, INC.
State: MO
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2021 I found out my Wells Fargo Business Savings was debit {$1700.00} for a XXXX payment with a name XXXX XXXX. I check my Wells Fargo Business Checking account online regularly. Since I don't use the Business Savings Account I did not pay attention to its transaction activity as often as my Business Checking account. I do not recognize this large withdrawal and I don't know this personal either ; so I called Wells Fargo customer services service line right away. At first a Rep. told me it takes about 10 days for them to do the investigation. After 18 days I called again customer service rep. told me my dispute denied because I have to report the unauthorized transaction with 3 days and I need to contact XXXX credit card directly. I scheduled an in-person appointment at Wells Fargo XXXX XXXX office . The banker at that location told me I have to report the dispute within 24 hours after the transaction debited my account and she was not able to help me at all. I called the bank customer service line again finally I got a processing number for this payment. I called XXXX Credit Card but they told me my bank has to contact them for this kind of fraud issue. I had to ask for a supervisor in order for me to get some help. XXXX is the supervisor at XXXX Credit Card Dept. he didn't believe me when I said Wells Fargo could not help me at all. We did a three-way calling with Wells Fargo ; after the call he understood the frustration I had to go through and promised me he will try to help me. So far I still have not heard anything from anyone. I don't have a XXXX credit card.

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 2023-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
1. XXXX transactions were made on my capital one card in late XXXX. 
2. Capital One notified me of potential fraud. I responded that I did not make these purchases and Capital One began a fraud investigation. 
3. Contacted by Capital One and was notified that their investigation did not show fraud and I may have benefited by the transactions and would be responsible for the charges. 
4. Made multiple calls to Capital One to follow-up. Several instances, when waiting on hold, I was disconnected. 
5. When making contact with Capital One, I asked them if it was possible to contact the store ( Wal-Mart or XXXX 's XXXX and have the store share their video of the exact time the incident took place. Was told they would pass on the request to the appropriate team. 
6. Reopened another fraud investigation on the same charges 7. Received a letter on XX/XX/XXXX that indicated that the case was closed and it appears as though I was not responsible for the charges. 
8. Capital One continued to charge late fees 9. Capital One closed the card as a " charge off '' but indicated that I was still responsible for the current balance. 
10. Credit Score dropped by XXXX points. 
11. My bank XXXX XXXX card was closed by XXXX for possible charge offs on other accounts. I never had a balance with XXXX  and never used their card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AR
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 found out that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX were no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts 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 2023-06-23
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:
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 and XXXX 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 explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX 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 reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief